My insurance claim agent call and said....what should i do?
my g/f was within an accident later sept with an uninsured driver...the unisured dr. be 100 % responsible because they ran a stop sign.....economically my g/f was going 50 mph which be the spd limit and totaled her sports car and was injured....we made a claim and her total meds be $15,000 and her policy limit for unisured motorist bodily injury be $25,000....so we made a claim for the $25,000 for med+pain and suffering.....well exactly 1 daylight before it be 6 months the insurance called and said that because we demanded the policy rein in it had to travel through managment to be approved....is this a good sign ? are they possibly in place to settle?how long do they usually take to review it? they hold all the docotors reports and collection and she had no prior put money on or neck problems record before the happenstance......the doctors said she was injured from the catastrophe
Answers:
Having management review a policy boundaries demand is standard procedure and zilch to worry almost. Based on the info you have provided I would the mgr would approve the confines to be paid.
FYI if this event went to court or mediation it is possible that the other driver would not be found to be 100% at culpability. Even though your g/f had the right-of-way, surrounded by she still had a duty of "lookout" to generate sure it was clear to proceed into and through the intersection.
Some companies need senior organization to approve maximum claim. This is not new and nought to worry something like.
They are pushing you hoping that you might settle for smaller quantity, but just hang up on they tent to do this things.
Was the other driver the owner of the other sports car?
Does your policy also have pip/mpc coverage?
Most companies have a "threshold" where on earth if the claim check is over XYZ dollars, it has to move about through management - because an adjuster isn't allowed to issue a check for larger amounts. It help cut down on insurance fraud (adjusters working with outside relatives to defraud companies).
So it's pretty normal, for something over $20,000, to hold to have someone else look at this. The review shouldn't transport more than a week. Once a week they probably all sit down, and move about over a dozen files.
You're really only looking at 10k for affliction & suffering, the other 15k is meds, so I really don't think this should be too tough. I'm a short time ago surprised it took so long.
As the others have stated, it is standard operating procedure for a superintendent to approve a claim if it is over the reps authority. However; I wouldn't get your hopes up on a superior approving the pain and suffering portion of your claim.