Jah-Wren Ryel

But of course they won't, they are no better than AllState, they don't care one iota because either way they make money - if you give up and accept fault, they will just raise your rates. So, they have no incentive to do the right thing and in fact they have a whole faceless beauracracy dedicated to making it extremely difficult to get them to live up to their obligations.

QuaTTrochick

Commissioner? In Washington our elected commissioner has a complaint division that can be very effective in solving problems like yours. Good luck and keep fighting for yourself and Fritz.<p>MY2000 180QC
Lake Silver/Aviator Gray

Janet

Someone else suggested that to me, in case Allstate remain stubborn.....thanks!

Janet

...by the investigating officer. The HPD form states that the formal report on the accident will be available after 10 days. The officer made reference to that when he told me to keep my witness warm...because he said I'd know in 10+ days if Mr. Camry was going to plead innocent, because I'd be notified by the court to appear once they got the formal report and IF he denied guilt and wanted to appeal the ticket. When I got home from England and found no such notice, I thought it was a good sign.

Sounds like the paperwork is handled a bit differently here.

Of course, the insurance companies may not be telling me the truth when they tell me that the report hasn't been filed. That's why I thought I'd first simply try to obtain a copy of it myself and see what happens.

I really appreciate your comments, though, Brad.
Thanks! Let me know if you have any other thoughts, and I'll keep you posted what I discover.

Janet
Wounded '00 180QC

OTOF

use it, they are difficult. Hope you get through this process soon and that Fritz is feeling better soon as well.

Janet

THANKS for all the kind words & advice, everybody!

Ryan E.

<p><img src="http://pictureposter.audiworld.com/AudiWorldPics/2000/TTwithChicksTiny.jpg">

TTelos

Sorry to hear about your accident and the insurance/legal troubles. Especially glad to hear you're on the mend. I don't mean to overshadow your situation with what follows. It's just that it's eerily similar to an accident that recently occured to my parents.

My parents were driving along and a guy runs a stop sign. Instead of broadsiding him, my father swerves to avoid him and winds up hitting a tree instead. The guy didn't immediately get a ticket, even though there were witnesses. The police report took forever -- at least three weeks. Then there was a hearing at which the guy pleaded "no contest", which in Nebraska (that's where the accident took place) doesn't equate to an admission of guilt. It wasn't until then that a ticket was issued. Even so, even though the guy was ticketed and fined, the guy's liability hasn't been established.

Meanwhile, the force of the airbag had broken my father's sternum. He was 79 years old and it didn't heal. For over two months he was in intensive care on a respirator. Three weeks ago he died.

And as if that isn't enough, my mom is now facing hundreds of thousands of dollars in medical bills which Medicare doesn't want to pay because it wants the insurance companies to do so, and the insurance companies don't want to pay unless the guy is found liable. She may have to sue him to establish his liability. If she has to sue, her adversaries will be not only his insurance company, but her's because of the uninsured/underinsured coverage on her own policy. If she "wins" the legal bill could be so large she will lose all of her savings and probably the house.

The guy who ran the stop sign presumably has no assets to speak of -- he declared bankruptcy a little over a year ago and couldn't even pay court costs for the hearing.

Ain't our legal system wonderful. The best solution for my mom may be a quick determination that the accident wasn't the a**hole's fault. Then Medicare will step in and pay the bills.

Hope your troubles -- and my mom's -- work out despite the stupidities of our legal/insurance system.

OTOF

So sorry to hear this, Ron. Hope your Mom can work this out.

TTelos

No I'm NOT an agent. Every insurance company has to be licensed in the state in which they are incorporated, plus every state where they sell policies. Every state has an insurance commission. Every product an insurance company sells must first be approved by the insurance commission in the state(s) where the product will be sold, so the insurance company is constantly in contact with each insurance commission seeking product approvals. NOTHING gets our company's attention quicker than a letter from a lawyer threatening a complaint to an insurance commission. You see, the insurance commission doesn't have to go through the rigamarole of threatening to revoke the company's license to put pressure on the company -- they can just twiddle their thumbs and sit on the company's product approvals.

Send a letter to the insurance company threatening to complain to the commission(s). If you don't hear back in a week, file a complaint with the commision(s).