A driver destroyed my parked car and their insurance has been giving the runaround for weeks - what do I do?

[u/wakka54]

The other cars insurance (Farmers) said they accept responsibility but not much else, and have left my car in paid city street parking, leaking oil, both axles snapped in half. It's only a matter of time until parking tickets and a $600 tow to impound occurs. I've missed days of work and have to get rides to work from friends. I only have liability insurance (AAA), so when I called my insurance they said they couldn't help whatsoever.

I feel like Farmers is ignoring me as a bullying tactic before lowballing some settlement, hoping I'm exhausted. I don't know what to do.

[u/Yakstein]

Farmers is decent usually. You probably have a bum adjuster. Call the claims line and demand to talk to the supervisor and explain what's going on. 6 weeks is absurd.

[u/wakka54 → u/Yakstein]

Sorry, to be clear it's been about 2 weeks, not 6.

[u/Yakstein → u/wakka54]

OK 2 weeks is different. Could be it was assigned to an adjuster and they went out with the rona or something. Call the claims line and ask for the supervisor. If they don't answer leave a message with your claim number and they will call you. From my experience in the industry farmers is usually pretty good.

[u/flashgski → u/wakka54]

That's still too long. I had someone bump me and their insurance (Geico) sent someone out to look within days

[u/MUCHO2000 → u/flashgski]

Agreed don't call the adjuster call the claims dept and ask for a manager.

Action should have been taken immediately after fault was established

[u/KinkyHuggingJerk → u/MUCHO2000]

get the claim number!!

Let the auto shop/rental agency/whatever get their money from Farmers, rather than paying out of pocket. Your own insurance may help explain steps and coordinate, but YMMV.

Literally, you can walk into the shop and say "This is being paid for through Farmer's insurance, as a result of an accident. The claim # is <>. Please give them a call if there's any issues."

if the shop/rental agency/whatever then says you owe $$, keep receipts. Do not file in small claims for at least 3 months after getting your car back (in case something is faulty) for the remainder. Keep or get a copy of the police report, their insurance info, their adjuster info, and the receipts for the case at hand. You may need a day or two off work to gather documents/make copies, etc.

[u/MUCHO2000 → u/[deleted]]

Interesting reply. It doesn't take a person who has a broker's property & casualty license in 10 states with over 7 years of experience to know that you're wrong. Then again I meet those qualifications so I can say with certainty that I am right and you are very much incorrect.

[u/condensedpoop → u/flashgski]

Farmers may do nothing/delay if they have not secured a statement from their insured. Unfortunately when pursuing damages through someone else’s liability coverage there’s lots of time they may have to act depending on state laws

[u/Dew4yne → u/Yakstein]

Yeah ask for a change of adjuster OP