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What can I do if my insurance company is still investigating my claim?

Asked by user in Oregon.

My car was parked and a big box truck almost ripped the entire door off and busted out the windows. It’s going on 3 weeks with no car and the adjuster is telling me they have to prove I'm not at fault. I need some advice or representation.

Answered by Enjuris Editors:

I’m sorry this is happening to you.

Insurance companies are permitted a reasonable amount of time to investigate an insurance claim. In Oregon, insurers have 30 days to acknowledge a claim and another 45 days after that to approve or deny a claim.

Based on the information you provided, it’s not clear whether your insurance company has ultimately accepted or denied your claim. If you believe your insurance company wrongly denied your claim, you can contact an attorney using our free online directory in order to file a bad faith lawsuit.

Most insurance companies provide rental cars while the insured vehicle is being repaired. I would check your auto insurance policy to see if this is an option.

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