EXPERT ANSWERS – Pre-existing Damage

Question:

My friend crashed her car in a recent storm. She immediately filed a claim, however it took an adjuster 10 days to come look at her car! By this time the car had rusted in the damage area. They deemed it a total loss. Today she is dealing with an investigation. They are trying to hassle her about the damage saying because its rusty it appears to be pre-existing damage, when in fact it’s not. What should she do and why is her own insurer treating her so poorly like she’s a criminal? (more…)