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Isaac Said:

Insurance company stalled paying claim until after the statute of limitations was up.?

We Answered:

This is the game insurance companies always play, either put the claimer under pressure to settle the claim at early stage at lowest value or if the claimer insist, like in your case, they try to waiste time to make you either forget , give up and at the best case to make you accept lowest offer( if you have fullfilled all the legal / official documentation). From the situation I can feel you haven't fullfilled yor obligations towards the paper works or may be you've delivered the claim documents / bills to the insurance company without having legal notification / acknowledgement receipt.
I believe you need to consult a legal selestor, hopping you have copies of the bills and acknowledgemt receipt from the insurance company.
From experience, there is no limitation period for the claim. The claim should remains open until settlement by a way or another. Since you haven't received any payment nor signed any settlements, the claim remains valid.
You have to be careful with this people, you have to read carefuly what ever document they process for your signature particularly small font documents / conditions. The least I can discrib these people that there are crocks.

Don't give up,
Ensure maintaining communication via registered communication / mail system i.e. you you should have evidence of your correspondence.
Always keep copy of all the corespondence.
You may hire a lawer, and make all the correspondence through his office.
You may issue a court case, subject to your lawer advise.

Sorry I couldn't be of much help, but I learned not to give up my rights.
Wish you luck.

Gary Said:

Who Offers the Best Auto Insurance?

We Answered:

go to JDPOWERS AND ASSOCIATES website. you can put in your area and compare all the companies on service, claims, etc... then take the top 2 or 3 and call for a quote.

Wade Said:

How bad is East L.A?

We Answered:

Make sure she speaks spanish because East LA is 90% Hispanic.

Marjorie Said:

Got into a car accident NOT MY FAULT the person at fault's insurance company won't cover my car?

We Answered:

If Fred Loya denies the claim based on her not being listed on the policy, then they have every right to do so. Your insurance will have to go after the driver personally.

It's not the insurance company that's the problem here, it's the fact that the driver had no right to be behind the wheel of that car. Don't blame Fred Loya.

There will be NO action you can take against the insurance company. Some insurance companies don't cover non-listed drivers. That's all.

Donna Said:

Cancel Car Insurance, charges?

We Answered:

NO they can't. If they try report them to the BBB and let their reputation get tarnished. Then BBB usually handles all matters quickly.

Julia Said:

my car was hit by another driver and his ins. Fred Loya has denied claim driver not on policy is this legal?

We Answered:

Yes.

Under the right circumstances with the right policy language. Yes it can be a valid denial.

However, there is not enough information provide for me to give you a better answer or explanation of the denial.

In the mean time...you got a wrecked car (and possible injuries) to deal with.

Call your insurance company and file an UN-insured Motorist claim against your policy.

You will need to give your adjuster a copy of the letter from the other company denying your claim (due to coverage). The letter is usually all you need to trigger the UM coverage.

Your company will settle with you under your UM coverage.

If they disagree with the other companies coverage denial -- they will pursue repayment from the other company.

If they agree that the coverage denial is valid -- they will pursue the at fault driver for repayment.

In the mean time, you have gotten your car fixed and moved on with your life.

Uninsured Motorist coverage is usually required by the state. So you probably have it. It steps up and pays what the other person's insurance should have (had he had valid coverage). This type of situation is exactly what this coverage is for.

Good Luck.