CAR ADVICE ASAP?

[Waldorf7]

So long story short… back in November 2023 I got hit by a car in a Walmart parking lot nothing happened to his car it was a (40yr old man) I am a female (29), he dinted my whole left back door while nothing happened to his car some mild scratches on bumper.

My car was still drivable and everything so in Feb 2024 my car was gonna get fixed at a collision center everything was ready to go until I got unexpected news that my car was being totaled (Buick Lacrosse2017).

I was only allowed a rental car for 5 days. Ever since then I’ve been carless and I was told that Feb 27th a check was issued was gonna get it no longer than 2 weeks in the mail, a whole month passed and I was concerned and I was calling the other party insurance ((USAA 3rd party company)) (that by the way always a pain in the ass to get in contact with the adjuster) apparently the check got lost in the mail so I told them to void it and do direct deposit and then they go and without my consent telling me they’ve sent a whole other check, they said 5 days max, literally has been 11 days now and still nothing. I’m very upset at the fact that I wasn’t the one at fault, I didn’t ask for any of this and the other person life didn’t get ruined the slightest.

How to I deal with this. I’ve even threatened the company that I’ll get an attorney and it seems like they don’t even care.

Sorry if I sound like a Karen rn. If I was at fault at least I’d suck it up and face my consequences.

But I just feel like this wasn’t fair. Any advice

[DryGermanGuy]

I was in a similar situation with an opposing insurance known for dragging things out and underpaying victims. I did not even call them, I went directly to a specialized traffic laws lawyer and had him handle everything. Opposing insurance had to pay me and him and I did not have to waste a single minute arguing with them. I normally try to solve things by myself first but not with these insurance bastards.

[exitseven]

Okay- so your car got dented up but you can still drive it but they will totsl it instead of fixing it. ? Call your states attorney generals office and see if they will open a case and investigate this.

[Waldorf7]

They took my car long time ago.
They apparently took it apart and they wanted me to pay $300 to take it back. But if I would’ve known this was gonna happen I should’ve just told them I’d give them my car until they gave me the check.

[exitseven]

Listen to @OlderAndWiser , He knows the real scoop.

[exitseven]

Thanks for the MHO😎

[OlderAndWiser]

Contact your state Insurance Commissioner and file a complaint for unfair and deceptive claims settlement practices.

[ChicoFromThe305]

Sounds like some insurance fraud to me and if not it's a way to take your car, tell them you want your car, if you have the title and ownership they legally can't take it, don't sell it

[ChicoFromThe305]

You might have to tow it home tho if they registered it as totaled but you can get an inspection and make it street legal again

[Redstang88]

If it were me I’d go park my ass at someone’s desk and not leave until this is solved. Sometimes you just have to make a fuss

[OddBeMe]

What company? Your insurance or his? If so, which insurance company?

[Billlewis]

Have you consulted an attorney about this?

[Waldorf7]

I haven’t actually.
Should I?

[Billlewis]

I just messaged you, so I can hopefully better advise you on this matter. Please respond if you want. Thank you very much.