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Insurance- how long to make a decision of a wrecked vehicle is totaled?

Posted on 3/27/24 at 7:05 am
Posted by BigApple
Member since Jun 2022
385 posts
Posted on 3/27/24 at 7:05 am
As the title states, how long should an insurance company take to make a decision if a car is totaled or not? Going on 130 days currently and it’s aggravating as heck!
Posted by Cosmo
glassman's guest house
Member since Oct 2003
120178 posts
Posted on 3/27/24 at 7:05 am to
Get gordon
Posted by TDsngumbo
Alpha Silverfox
Member since Oct 2011
41546 posts
Posted on 3/27/24 at 7:06 am to
If it’s not too long to make a claims decision, it’s not too long to develop a sore neck and back.
Posted by Cotten
Tennessee
Member since Jan 2018
1255 posts
Posted on 3/27/24 at 7:08 am to
Mine took about 72 hours. Had a check for the full value ~24 hours after that.

Erie insurance and we’re in TN if that matters at all (maybe it does?).
Posted by Miglez
Member since Jan 2018
283 posts
Posted on 3/27/24 at 7:11 am to
130 days?? What the hell happened??

They let me know my truck was totaled in less than a week. Got the check the next day.
Posted by CleverUserName
Member since Oct 2016
12520 posts
Posted on 3/27/24 at 7:13 am to
130 days?! Definitely not that long. It’s usually not over 3-4 days. Certainly not more than a week.

I bet they aren’t paying for a rental.
Posted by h0bnail
Member since Sep 2009
7389 posts
Posted on 3/27/24 at 7:17 am to
Just went through this. I had the decision back a day after submitting the estimate and received the offer for my car the following day. Can't imagine any reason it would take that long.
Posted by jake wade
North LA
Member since Oct 2007
1656 posts
Posted on 3/27/24 at 7:17 am to
2 weeks max. Post what insurance you have so we know to never use them.
Posted by TDsngumbo
Alpha Silverfox
Member since Oct 2011
41546 posts
Posted on 3/27/24 at 7:20 am to
quote:

Post what insurance you have so we know to never use them.

There’s more to the story than just them taking a while to pay. 100%
Posted by Big Gorilla
Bossier City
Member since Oct 2020
5452 posts
Posted on 3/27/24 at 7:22 am to
quote:

Going on 130 days currently


Holy crap. Something is wrong. My dad’s took 48 hours (it was obvious). Mine took 3 weeks cause it wasn’t as obvious.
Posted by meansonny
ATL
Member since Sep 2012
25568 posts
Posted on 3/27/24 at 7:26 am to
quote:

Going on 130 days currently and it’s aggravating as heck!


You think that's bad?

Your claims adjustor just died and all you care about is your totaled vehicle.

Get some priorities and send a card. Please.

/s
Posted by Pvt Hudson
Member since Jan 2013
3537 posts
Posted on 3/27/24 at 7:26 am to
quote:

bet they aren’t paying for a rental.


Probably not - but you can charge the insurance company a per diem for loss of use.
Posted by Pedro
Geaux Hawks
Member since Jul 2008
33384 posts
Posted on 3/27/24 at 7:27 am to
Let’s see… car got dropped at the shop at 11 after the accident. Got a call from the estimator at 3 that she stopped adding the damages at x amount and there was still more to go. Insurance called the next day.
Posted by sidewalkside
rent free in yo head
Member since Sep 2021
1614 posts
Posted on 3/27/24 at 7:28 am to
There is WAY more to this story than you are telling us.
Posted by Deplorableinohio
Member since Dec 2018
5539 posts
Posted on 3/27/24 at 7:32 am to
If it takes 4 months it’s got to be totaled. A month is long enough.

It’s like video reviews in sports. If you can’t decipher what happened within 30 seconds, one minute at most, go with the call on the field.
Posted by Motorboat
At the camp
Member since Oct 2007
22666 posts
Posted on 3/27/24 at 7:48 am to
This is not normal but certainly happens. Who is the insurance company?

And what is the whole story?
Posted by Tiger Prawn
Member since Dec 2016
21856 posts
Posted on 3/27/24 at 8:06 am to
A few days. Week at most.

Call the adjuster, get their supervisor on the phone, and tell them that if they haven't gotten back to you with a decision by the end of the week that you're contacting a lawyer on Monday morning. 4 months is ridiculous. You're about 3.50 months more patient that I would've been
Posted by tigersbb
Member since Oct 2012
10279 posts
Posted on 3/27/24 at 8:11 am to
Give more details. Is your vehicle in a shop torn down? What has the company told you thus far?

Is this your insurer or another party's carrier?
Posted by UncleDuck
Member since Feb 2024
8 posts
Posted on 3/27/24 at 8:12 am to
I had my truck hit by lightning while evacuated for Hurricane Laura in August of 2020. Truck electronics were fried but dealership couldn't get power to the truck to figure out all that was wrong with it so they couldn't give insurance an estimate and due to covid supply chain issues they couldn't get parts to figure anything out. Geico drug things out for 5 months. When I called them and told them I'd no longing be dealing with them and for now on my attorney would be handling all correspondence I had a check in less than a week. Attorney never even had to call them.
Posted by tigersbb
Member since Oct 2012
10279 posts
Posted on 3/27/24 at 8:22 am to
quote:


Call the adjuster, get their supervisor on the phone, and tell them that if they haven't gotten back to you with a decision by the end of the week that you're contacting a lawyer on Monday morning.


They hear this several times a day. You really think it will scare them?
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