My truck has been sitting in the shop for a month waiting.Now my insurer wants me to release it to them before giving a settlement offer.What to do?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 13, 2012

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Insurance Question from Coal Creek, WA

Asked on 02/13/2012

My truck has been sitting in the shop for a month waiting.Now my insurer wants me to release it to them before giving a settlement offer.What to do? They say that since I won't release it to them that shop storage will come out of my settlement. During this whole process I have called my adjuster literally once a day she has called me back four times. Now I'm not even dealing with her.They won't give a value yet. At one point it was to be fixed for $8,013.27 and they would fix it up to 70% of the value of the truck but as the damage increased to around $13,500 they decided to total it. Do i gain anything by not releasing my truck to them? Do I lose any leverage if I move it to my house?

Answer given on February 19, 2012

If your car has been determined to be a total loss, the insurance company should offer a settlement figure to you before expecting you to release it to them. However, if they simply want to get your permission to move the car, and are not asking for you to sign over the title yet, you should give that permission right away. Storage charges by body shops can be very expensive, and if you are not cooperating with the insurance company, they will not continue to pay any additional storage charges.If the insurance company is asking for you to sign the title over to them without a settlement offer, you need to speak to a supervisor to try to get this resolved. There is no way you should sign over the car when they won’t provide you with the amount they are offering. You should also see if your agent can help get this resolved.

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