Quote:
Originally Posted by Realtor 1
I am waiting as my insurance company told me to do so as it would be more of a battle if I paid the deductible and had it done. I don't know if this means more of a battle for them, me, etc.
Ill make sure my insurance has a copy of the tape, thx for the tip.
Good to know that this is the norm.... seems flawed that something so black and white can legally take this long!
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Well that's not really true. If you pay the deductible and have the vehicle repaired it shouldn't change the facts of the case. If you don't want to pay then yes, you have to wait for them to accept liability and that can take a while or frankly they can outright not accept it. It comes down to whether they think they're liable for the damages or not. So theoretically this could mean you get close to two years, and have to file a statement of claim against the parties you think are responsible.
I'm not saying that it will go this route or anything like that, but they don't have to accept liability. They will want to investigate, see what happened and why the door failed. They might deny liability and say its the fault of the installer/door company or whatever. It can be complex.
But if you have coverage, my thought would be to get the damages repaired, pay the deductible and wait for the insurer to jump through those hoops. Eventually (assuming someone else accepts liability or is found liable) you will get the deductible back.