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Auto insurance claim check
That_Spoony_Bard
Registered User regular
Registered User regular
Jeez, two threads in one day.
So last October I was involved in an auto accident, TL;DR: Rainy freeway, I rear-end the guy in front of me, I get rear ended from the guy behind me. There was some body damage, which I believe my insurance paid for the front, the insurance for the guy behind me paid for the rear.
Now, here's where things get a little fuzzy (it's been over a year, and my memory is shit). I *think* my insurance (State Farm) gave me a check, but they told me to hang onto it until they figured stuff out with the other insurance companies involved. I *think* the check was to be for the amount of damage done to my car. I *think* they told me to tear/void the check because the other insurance company paid for a good chunk of the repair. I know the insurance company behind me cut a check for 150 for pain/suffering outside of the repair/rental.
Flash forward to today, I get a letter from State Farm saying: "Our records indicate that you have not yet cashed the check listed above which was mailed to you for a claim settlement payment". The check they have in question is little over 2k. Now, I don't recall being told that I had a claims check from them coming to me. Now, obviously I'm gonna call them Monday and talk to them, but I'm thinking it was the check that they told me to rip up. If, after talking to them, they still give me the check for 2k (after disclosing about being given a check, then ripping it up per the request of State Farm), can they come back to me 6mo later and say "oops, it was actually a clerical error, can we have our money back now?"
So last October I was involved in an auto accident, TL;DR: Rainy freeway, I rear-end the guy in front of me, I get rear ended from the guy behind me. There was some body damage, which I believe my insurance paid for the front, the insurance for the guy behind me paid for the rear.
Now, here's where things get a little fuzzy (it's been over a year, and my memory is shit). I *think* my insurance (State Farm) gave me a check, but they told me to hang onto it until they figured stuff out with the other insurance companies involved. I *think* the check was to be for the amount of damage done to my car. I *think* they told me to tear/void the check because the other insurance company paid for a good chunk of the repair. I know the insurance company behind me cut a check for 150 for pain/suffering outside of the repair/rental.
Flash forward to today, I get a letter from State Farm saying: "Our records indicate that you have not yet cashed the check listed above which was mailed to you for a claim settlement payment". The check they have in question is little over 2k. Now, I don't recall being told that I had a claims check from them coming to me. Now, obviously I'm gonna call them Monday and talk to them, but I'm thinking it was the check that they told me to rip up. If, after talking to them, they still give me the check for 2k (after disclosing about being given a check, then ripping it up per the request of State Farm), can they come back to me 6mo later and say "oops, it was actually a clerical error, can we have our money back now?"
That_Spoony_Bard on
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what you probably want to do is talk to them and have them explain to you what the check was for, who it was written to and when it was issued to jog your memory. don't say anything about you thinking that they don't owe you because they might.
then if you are satisfied with their response, have them issue you a new check because personal checks expire in 6 months. business checks might be a year.
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