jonny-chicken
Site Supporter
20
I'm having some trouble with a claim that we are trying to have subrogated against a third party, and wondering if anyone has any experience with a similar situation or any advice...
- My trailer was damaged in the US at a shipper.
- I have camera footage showing the third party (also a trucking company) backing into our trailer
- I have an incident report from the shipper explaining that my trailer was backed into
The trailer needed a new axle so the repairs were substantial. I have paid out our $5000 deductible with the idea that I will get that back when my insurance company subrogates against the insurance company of the third party that did the damage.
My claims adjuster is not doing a very good job in subrogating, in my opinion. They have left several voicemails and sent some emails to the third party's insurance company and I am told that there has been no response. That seems to be the extent of their efforts.
This leaving of voicemails and sending of emails has now gone on for over 4 months... All the time, my insurance adjuster is saying we need to be patient and these things take time to resolve. Meanwhile, I have paid out my $5000 deductible and won't get that back until this is resolved.
My thought is, the adjuster is lazy or not doing their job, or just doesn't care because it doesn't cost them anything, afterall, it is my $5000 that was paid out and I will not get it back if the adjuster is not successful in subrogating. Maybe that's just my unrefined opinion as an 'insured', but maybe not...
My insurance broker is also telling me to be patient and that there is really no other way to go about this...
Any thoughts anyone?
- My trailer was damaged in the US at a shipper.
- I have camera footage showing the third party (also a trucking company) backing into our trailer
- I have an incident report from the shipper explaining that my trailer was backed into
The trailer needed a new axle so the repairs were substantial. I have paid out our $5000 deductible with the idea that I will get that back when my insurance company subrogates against the insurance company of the third party that did the damage.
My claims adjuster is not doing a very good job in subrogating, in my opinion. They have left several voicemails and sent some emails to the third party's insurance company and I am told that there has been no response. That seems to be the extent of their efforts.
This leaving of voicemails and sending of emails has now gone on for over 4 months... All the time, my insurance adjuster is saying we need to be patient and these things take time to resolve. Meanwhile, I have paid out my $5000 deductible and won't get that back until this is resolved.
My thought is, the adjuster is lazy or not doing their job, or just doesn't care because it doesn't cost them anything, afterall, it is my $5000 that was paid out and I will not get it back if the adjuster is not successful in subrogating. Maybe that's just my unrefined opinion as an 'insured', but maybe not...
My insurance broker is also telling me to be patient and that there is really no other way to go about this...
Any thoughts anyone?