My car was damaged by a malfunctioning garage door that is maintained by my home owners' association (HOA). I filed a claim against the HOA's policy. The insurance agent said I was at fault and filed a claim against my insurance. The claim was investigated, and, based on the evidence, it was found that I could not have been at fault. I again tried to file a claim. Finally the agent filed a claim, but it was against the wrong policy. After almost a month, I was finally successful at getting a claim filed against the correct policy. Now the adjuster will not return any of my or my insurance company's phone calls (10 in all). State Farm is a big company, so I have no idea where this adjuster is. I do have the agent's name and address. Is that who I take to small claims?
I answered a question like this only a week ago.
You should sue the HOA. Do not worry about insurance companies., they will get involved if you win. Do not worry about agents, as they are protected by the companies they work for.
IF you have further questions, be sure to speak with a alwyer that knows Small Claims. Try: www.smallclaimsappeals.com
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