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Posted by Edwin Pawlowski on June 21, 2006, 10:50 pm
> On Monday morning we had someone run the stopsign in front
> of our house, go over the curb and go through our front door. He could
> have knocked! :P
>
> The cops came, the guy blacked out due to some medical conditions (his
> father and his bosses told us this). I'm saving this tidbit for future
> use.
Possible. Diabetes, lack of sleep, other problems can cause it.
>
> Anyway I called our insurance and they said there is nothing they can
> do, his insurance is supposed to do all of the work.
Right, he has the liability.
> It's been 3 days
> and his insurance company has yet to send someone out. I did get a
> neighborhood contractor to seal up the damaged area for us after taking
> a ton of pictures. Damn nice guy, he did it for free.
He should give you a bill and submit it to the insurance. You have an
obligation to mitigate further damage even though you did not cause the
problem. They should pay for it.
>
> Now...who is to be responsible? Should our insurance company at least
> make an appearance? What is the normal time to get someone out to look
> at something like this? I called the loss prevention person where he
> works at and she said she's been trying to get the appraiser out to see
> us. I'm thinking that they have until noon tommorrow or I'm going to
> seek outside help.
It is not unusual for an appraiser to take a few day or more. We had to
make a claim after some flooding last October and the backlog at the time
was 4 to 5 weeks. This is not life threatening and they are probably still
trying to take care of claims in the South. Lots of claims from the recent
flooding in New Englad also.
>
> Outside help. Call the state insurance commissioner and/or a lawyer (if
> so, what kind of lawyer)? All I want is to get this fixed ASAP.
Welcome to real life. Of course you want it fixed, but it is not going to
happen very fast. You may want to call in someone to give you an estimate
for the repairs so you have a better feel for actual cost before the
settlements you eventualy make. Better to use a contractor you are
comfortable with than some low baller that does hack work for the insurance
company.
>
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