tvguy
Question anything the facts don't support.
- Joined
- Dec 15, 2003
It's very different.
In the scenario I gave you, you caused an injury or damage to someone else. You rear ended someone, turned left in front of them, etc... Someone is coming after you, looking for you to pay. Your insurance companies job is to indemnify and protect you so that you aren't exposed financially for your liability/negligence.
Unless I'm misunderstanding you, the scenario where you're looking for them to act on your behalf is one where your car with NO collision coverage gets hit while parked. In that case, you did nothing wrong, so nobody is pursuing you for damages. You have not paid your insurance company a premium to provide damage coverage for your car. There is nothing for them to "protect" you from in that scenario, nothing for them to do. They don't have legal standing to make a claim for you, since they don't own the car, haven't been paid by you for that type of coverage, and haven't made any financial payments (i.e. lien).
Apples and oranges.
Yeah, I guess we are misunderstanding each other. My expectations are based on what my insurance did. I didn't ask them to do it, they offered to do it. Why they offered to do it if it wasn't legal, I don't know. They acted as my agent with the other party's auto insurance. If I am giving them authorization to represent me, how can they not have legal standing? I guess I watch too much People's Court and Judge Judy, because frequently there are people there that are not named in a suit, but have been authorized by the person being sued to act as their representative. I hope I never am in that situation again. But if I am, I will ask and expect them to do it. I am a customer of their business for the insurance protection, and for their expertise in settle my claim with someone else's insurance.