Insurance Claim Dispute

Full Conversation

My boyfriend got involved in a accident which was not his fault.The insurance company is offering him *.He didn't get hurt but are van got damages.He won't take the money and since I am co owner of the vehicle could I get it
What state are you located in, ****? The rules for insurance payouts can vary by location.
Delaware and it's roots insurance iam dealing with
What is the extent of the damage to your van? In Delaware, both parties involved in an insurance claim have the right to negotiate the settlement amount.
It got smashed in the side and you can't open the doors to work with.
What is the estimated cost of repair for your van? In Delaware, if the repair cost exceeds the car's value, it's considered a total loss.
Don't know cause they never sent no one to check it out.
Have you requested an independent appraisal of the damage to your van? In Delaware, you have the right to an independent appraisal if you disagree with the insurance company's estimate.
No because it wouldn't start after it got hit.The insurance company told us to leave it sit.The takes ran out and Wilmington county took it.
What is the current status of the van with Wilmington county?

In Delaware, if a vehicle is impounded, you may need to pay fees to retrieve it.
I have no idea they never contacted us so we don't know where it is.
Have you tried contacting the Wilmington County impound lot to inquire about your van?
No because it in my boyfriend name and it was sitting at his house.
Have you considered contacting the insurance company to discuss the situation and negotiate the settlement amount?
I have contacted them and told them he won't take the money because they are trying to blame him and he said it wasn't his fault.I told them I would take the money since I am co owner
What was the insurance company's response when you told them you would take the money as a co-owner?
They said they can't because he may come back and sue them.I told them that's not happening cause I am co owner.
What is the name of your boyfriend's insurance company?
Are insurance company was liberty and the company we file claim with is roots.This accident happen last year.
What was the response of Roots Insurance when you filed the claim?
As far as I know he called them gave them all the information they needed and also he had a video of the girl ammiting hitting him.But they won't go by the video
What is the reason given by Roots Insurance for not considering the video evidence?
They said they are only going by the police report
What does the police report say about the accident?
Well the cops wasn't there and they had no witness so when he asked them about what happened She claims he was turning the same time he was and she thinks he was speeding.She that two statements she made.
What does the police report say about your boyfriend's speed at the time of the accident?
I only said that he gave two stories but my boyfriend gave him the story and he took it different then he was supposed to.My boyfriend also showed him the video and he told him to hang on to it Incase he has to take it to court
What is the current status of your claim with Roots Insurance?
I have no idea.I have talked to them and they told me that if Peter didn't give them a answer about the * they were closing the case.
What was the final decision of Roots Insurance regarding your claim?
I have no idea at the moment
What steps have you taken since the insurance company threatened to close the case?
None because I don't know how to handle all of this.
What is the current status of your van? Have you been able to locate it or retrieve it from the impound lot?
Were not sure but I told the insurance company about it being taken and they said they don't care.
Have you considered seeking legal advice or representation to help you navigate this situation with the insurance company?
Ya that why I texted u because I need legal advice what should I do.
Have you considered filing a complaint with the Delaware Department of Insurance regarding your dispute with Roots Insurance? They can assist in resolving issues between consumers and insurance companies.
I have dealt with the insurance commission er .
What was the outcome of your interaction with the insurance commissioner?
He said he didn't see nothing wrong of cause he never saw the video.
Have you considered taking legal action against the insurance company or the person who caused the accident?
Yes indeed but I don't know how.
What evidence do you have to support your claim against the insurance company or the person who caused the accident?
The video and pics.
What does the video and pictures show about the accident?
The video was where she admitted to not seeing him.And the pics show the cars
What is the current status of your legal action against the insurance company or the person who caused the accident?
None
What is the current status of your van? Is it still with Wilmington County or have you managed to retrieve it?
The insurance company told me they don't want it and being it's damaged and won't run now they can keep it
What is the current market value of your van before it got damaged?
I have no clue it was a * Ford e-* cargo
What is the estimated market value of a * Ford e-* cargo van in good condition in your area? This could help in negotiating with the insurance company.
That I don't know it all depends.
What is the condition of the other vehicle involved in the accident?
Her whole front in is gone.Couldnt tell much because they had it towed before the cop arrived.
What was the response of the police when they saw the condition of the other vehicle?
They didn't get to see it only pic.and he said that the front bumper was damaged but it's the whole front grill and all.
What was the outcome when you presented the pictures of the other vehicle's damage to the insurance company?
I don't know because they claimed they never got them.And I sent them myself for the second time.
I don't know cause they claimed they never got them.So I sent it to them again.
What was the response of the insurance company when you sent the pictures again?
I guess they saw them they nevered said.
What was the outcome when you presented the video evidence to the insurance company?
That they wasn't going by the video they were going by the police report.
They said they wasn't going by it that they were going by the police report.
What does the police report state about the cause of the accident?
That they couldn't give the that details correctly.
What steps have you taken since the police report was not detailed correctly?
Nothing
Nothing
Nothing cause I don't know what to do
Have you considered consulting with a lawyer to help you navigate this situation? They can provide guidance on how to proceed with your claim and potentially take legal action.
No just u.
What is the current status of your claim with Roots Insurance?
I don't know.
I don't know
What is the current status of your claim with Roots Insurance?
I really don't know because they haven't told me.The last time I talked to them they stated they were closing the case if Peter didn't take the *.
Have you considered filing a complaint with the Delaware Department of Insurance against Roots Insurance? They can assist in resolving issues between consumers and insurance companies.
Only the commissioner
Only the commissioner
What was the outcome of your interaction with the insurance commissioner?
He said he didn't see they doing anything wrong.But he also never saw the video.
He said he didn't see they did anything wrong.But he also didn't see the video.
Have you considered showing the video to the insurance commissioner?
No case it over between what he was doing for me.I could send it if he would accept it now
Have you tried sending the video to the insurance commissioner for review?
No case it over between what he was doing for me.I would send the video of he wanted to see it and accepted it.
No case it over between what he was doing for me.I would send him the video if he wanted to see it and accepted it.
Have you considered seeking legal representation to help you navigate this situation and potentially take legal action against the insurance company?
No because I don't know how to.
No because I don't know how to
What evidence do you have to support your claim against the insurance company or the person who caused the accident?
Video and pics and police report and some letters.
What do the letters state and who are they from?
The insurances company's and roots sending letters to my daughter instead of us.
Why are the insurance companies and Roots sending letters to your daughter instead of you?
I have no clue.Not unless because she help me get the police report.
What information does the police report contain?
Just each one personal like name and who they were and there statements.
What statements were made by each party according to the police report?
She claimed she thinks he was turning the same time she was and she thought he was speeding.He stated his story but the cop took it wrong not how it happened.
What specific details did your boyfriend provide in his statement to the police?
He told he that first she was behind him and then in front of him.
He told the cops that first he noticed her behind him and then in front of him.
He told the cops that first he noticed her behind him and then in front of him.
He told the cop that he noticed her behind him and in front of him.
He told the cop that he first noticed her behind him and then in front of him
He told the cop that at first he noticed her behind him then in front of him.
He told the cop that at first she was behind him then in front of him.
He told the cop that at first she was behind him then in front of him.
Are u still there?
Hello?
Are we done?