Infinity Auto Ins., Passenger, Spinal Injury, One year's time has elapse since the accident,
The character limitation will not allow me to go into great depth, but this is the skeletal: Riding in my friend's fully covered vehicle, we were broadsided while traversing an intersection, which she was cited "most at fault". During the impact, I was the recipient of multiple injuries to my right extremities, the worst being a severe injury to my lower back, which prevents me from working now. After receiving treatment at the ER, and further treatment for months by my PCP, Infinity Insurance denied the claim, including lost income, loss of use of my vehicle, etc. One year later, they are offering to cover only the cost of the med bills, and had refused all information or demands sent via Certified Mail, either directly to their offices 16 miles away, or to their Mail Processing Center in Birmingham, AL.
There is no way to answer your question without knowing the specifics of your situation. However, if you do not have an attorney representing you in this, you should definitely get one as that will make it easier to resolve your case.
Personal Injury Lawyer
Probably because you don't have an attorney; among other possibilities
Personal injury cases only; I'm good at it; you be the Judge! All information provided is for informational and educational purposes only. No attorney client relationship has been formed or should be inferred. Please speak with a local and qualified attorney. I truly wish you and those close to you all the best. Jeff
Personal Injury Lawyer
In addition to consulting an atty for this so you don't get screwed, there is no reqt that you send certified mail.
Car / Auto Accident Lawyer
If you have a spinal injury you should definitely hire a lawyer. By not hiring a lawyer you may be playing into the insurance companies hands, hence the rejection of the certified mail. Most of us charge reasonable fees and are willing to speak with you without an upfront payment.
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Please provide more detail. It is highly unusual for an insurance company to reject certified mail. Do you have the correct address?
You do not state where the incident occurred. If in California there is a 2 year statute of limitations on a personal injury claim against a private person or entity (i.e. non-governmental). If you suffered personal injuries, it my opinion it is a mistake to try and represent yourself unless the "spinal injuries" are very minor. It is possible you are sending the letters to a PO Box versus a street address. Certified mail cannot be left at a "drop" location, someone needs to sign for it.
I suggest you contact a personal injury attorney for a consultation.
The information provided is for general informational purposes only and is not intended to be legal advice. I am only licensed in the State of California and I am not providing you with specific legal advice. The law changes frequently and varies from jurisdiction to jurisdiction. Being general in nature, the information provided may not apply to any specific factual and/or legal set of circumstances and/or the jurisdiction where you reside. No attorney-client relationship is formed nor should any such relationship be implied. The information provided is of a general nature is not intended to substitute for the advice of an attorney, especially an attorney licensed in your jurisdiction. Your question, although you may believe is simple, it is not simple. You require legal advice, please consult with a competent attorney licensed to practice in your jurisdiction.
A fact or two would be helpful, but if you sustained a spinal injury, have a local spinal cord injury lawyer investigate.
Insurance companies have been known to abuse the rights of their customers. I recommend you to speak with a lawyer. Most of us on this site offer free advice. So, there is nothing to lose and a lot to gain by contacting one of us.