Your problem is far too common - we see too many times that insurance companies delay or just refuse to pay legitimate claims. I guess they hope people will just give up if the insurance company makes it as hard as possible on them.
Because of the amount of money involved, it may be hard for you to find an attorney to help you. In an effort to try to help you, however, let me suggest that you contact the Insurance Commissioner of Georgia. They have an online consumer portal that you can use to submit a complaint. Here's the link - http://www.oci.ga.gov/ConsumerService/complaintprocess.aspx
Also, you can call their toll free number of 800-656-2298. Some of my past clients have told me they had good luck with this process. Don't forget that you may be entitle to diminished value damages as well. It may take a little time, but don't give up. I hope you are successful.
Jarome E. Gautreaux
If you have a large deductible then your only option would be to sue the at fault driver in small claims court for the $550.00
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.
What is the reason that they are not paying? If they claim there is no coverage for the incident, then you should turn the matter over to your uninsured motorist carrier or your collision damage carrier. More information would be needed to better answer your question.
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Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.
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Because of the small repair estimate, you could take this to Magistrate Court in the county of the driver who hit you and sue the driver. It is possible that the insurance company will then decide it is not worth it and pay you. If they decide to let the matter go before the judge, it sounds like you have enough evidence to support your claim. Speak with the police officer who wrote the ticket and see what evidence he relied on.
Law Office Of Sidney Weinstein
Atlanta, Georgia Accident Injury Attorney
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