Last year, I was hit from behind at a stop light. The police wrote up a report, and found the other driver at fault. We exchanged information and went on our way.
I opened a claim with the other driver's insurance company. They paid out $700 right away to replace the back bumper on my truck. I also had about $1500 in chiropractic treatments and care, which took a couple of months to complete... and to be released by the Chiropractor.
However, while I was being treated by the chiropractor, I quickly found out that the claims adjuster for the other driver's insurance company was not a nice person. He made each and every phone call with me a miserable event. He would ask me questions, and then ask me the same questions... but re-worded in a different way. It was as if he was taking the claim out on me. I suspect that they simply have a problem with paying out on Chiropractic care.
I finally decided that I'd had enough of his rubbish, and told him that he was consistently being very rude with me, and that all future communication between us would be in writing only.
As I was wrapping up my chiropractic treatment, he notified me (by mail) that he was closing my file, and since it was being closed, any future settlements would need to be coordinated through a lawyer (who I would have to hire).
Should I simply file a claim with my insurance company, and let my insurance company pursue subrogation with them? (Or just see if my insurance company contacting them is enough to get the claim paid?) If it goes to subrogation, well...isn't that part of what I pay premiums for?
I opened a claim with the other driver's insurance company. They paid out $700 right away to replace the back bumper on my truck. I also had about $1500 in chiropractic treatments and care, which took a couple of months to complete... and to be released by the Chiropractor.
However, while I was being treated by the chiropractor, I quickly found out that the claims adjuster for the other driver's insurance company was not a nice person. He made each and every phone call with me a miserable event. He would ask me questions, and then ask me the same questions... but re-worded in a different way. It was as if he was taking the claim out on me. I suspect that they simply have a problem with paying out on Chiropractic care.
I finally decided that I'd had enough of his rubbish, and told him that he was consistently being very rude with me, and that all future communication between us would be in writing only.
As I was wrapping up my chiropractic treatment, he notified me (by mail) that he was closing my file, and since it was being closed, any future settlements would need to be coordinated through a lawyer (who I would have to hire).
Should I simply file a claim with my insurance company, and let my insurance company pursue subrogation with them? (Or just see if my insurance company contacting them is enough to get the claim paid?) If it goes to subrogation, well...isn't that part of what I pay premiums for?