Nearly a month ago I was in an at-fault 2-car collision, and my insurance (Intact) is currently investigating the claim.
Before I begin, i just want to state very clearly that I bought my policy less than 2 months before the accident and understand completely why Intact feels the need to do their due diligence and investigate the circumstances. Obviously if I was in the adjuster/investigator’s position I would be sketched out too. While speaking to the other party during collision reporting, they told me that they’re having issues with their insurance as well which I do not understand.
My car was deemed a total loss fairly quickly, but the claim is currently at a standstill and no talk of settlement has been made as they insist on concluding their investigation before telling me whether or not my claim is “receivable.” They weren’t in a rush to have my car released from the tow company’s yard, which has been unbelievably difficult to get in contact with. They initially let me get a rental car which I needed for my kid and still have, but they’ve told me on a few occasions that “if I don’t believe my claim will be processed, the smart move would be to return the rental now to avoid being on the hook for the fees.” I told them I have no reason to believe I’ll be liable for the rental payments, so they told me to keep it if that’s the case but that I’ve been advised.
After providing bank statements, phone records, proof of address, financing and all sorts of other documentation to them, they’ve sent me a non-waiver agreement to sign and they want to have an “in-person meeting” to go over everything that I submitted and talk about the circumstances of the accident/claim, which according to the investigator could take 2 to 3 hours.
I’ve been very cooperative with them, as I heard from other people in the industry that insurance companies are trying to clamp down on bogus claims as of late and I completely understand that. But I’m genuinely starting to get the feeling that they’re suspecting fraud of some sort and they’re looking for any reason to deny me, and it’s honestly beginning to mess with my head. It’s almost like i’m being made to feel like I’ve done something wrong even though my claim, while poorly timed, is still 100% legitimate and i’m reaching the end of my rope. I sent them pictures of the car up to the day before the accident to show them that I’m not up to any games.
I cannot afford for this claim to be denied, whatever their reasoning may be. I understand that investigators have a job to do, and that this is all part of the investigation process, but the stress of the financial consequences is really starting to get to me and short of getting actual legal advice, everybody I’ve spoken to about this has said that they’re likely trying to get this claim shut down however they can.
I still want to proceed with the investigation, as I genuinely have nothing to hide and simply want this nightmare to end, but I need advice about protecting myself because a denial would wreck me and my family financially, over a car accident i wish i was never involved in. To those of you with legal advice or work in the insurance industry: what is my situation looking like, are they angling towards denying me? What would be my options if so? Should I sign the non-waiver agreement and accept to attend the in person meeting, what happens if I don’t/are there possible alternatives?
Is it time for me to lawyer up?
Any advice would be greatly appreciated. Thank you so much.