Friday 22nd of February 2019 01:56:14 PM
On October 9, 2018 an insured of American Access Insurance Co. sideswiped my car in a shopping center parking lot. The driver was a 16 yr. old girl driving with a permit. Her mother, who doesn't speak English, was in the passenger seat. I took down all information and took a picture of her permit and her insurance paper. They didn't have an insurance card. Both parents and both of their cars were listed on the paper. It is my understanding that those driving with a permit do not need to be listed on the policy. The driver apologized. I IMMEDIATELY called American Access and gave a recorded incident report. I was told that I would hear from an adjuster within 24/48 hrs. I heard nothing.I called daily and, a week later, received a form to complete. I was informed it was still under investigation since the driver wasn't on the policy and they were unable to reach the insured. I was told to get a damage estimate at a body shop of their choice. I did that immediately. The collision company informed me that Access Casualty doesn't have good reviews. I'm beginning to see why. I continued to call the adjuster to no avail. Fortunately, I am able to drive my car, but it is still damaged. If I wasn't able to drive it, I'm assuming I'd also be paying for a rental car this entire month! On October 24, I received another letter, still no callbacks, telling me that the incident is still under investigation since they still can't reach their insured.I find this difficult to believe, that after a month, they still can't find the insured. I was also told that if they can't contact them that they will cancel their policy and I will literally be stuck! I took a picture of their insurance paper and it states the policy is in effect until 3/8/19. It lists their address, vehicle Id, and license plate number. I do not understand why they are unable to contact them. I've read other reviews and see that there have been similar problems with being told that their insured can't be reached.I reported the accident within the hour. I received one estimate within a week. I have continually called the company with no calls returned. I feel a month is a reasonable amount of time to investigate the accident and provide me with payment to have my 1 year old car repaired. I also think it reasonable to keep me updated on progress or lack of. I also feel that since the policy is in effect until March, 2019 the people were insured at the time of the accident. I have a picture of the driver's permit, the policy, and damages to my car.If you are interested in seeing any of those, I can readily provide them. The adjuster's name is Tirza **. This is very upsetting to me since I have done everything I'm suppose to do including trying to maintain communication with the company and my only responses have been an occasional form letter. Please let me know if you require any further information. Thank you in advance for any help you can provide.