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@godseb So it's not just my employer??? LOL

@justkevin85 Glad I could offer a little help. So...where did your car end up being found?

@justkevin85 Sounds like youre talking to the adjuster, which is disappointing. State Farm usually has their shit together. Agents sell and service the policy and hold a license (or work under someone's) to do that. Adjusters have a license to work on the claim side. Liability Adjusters...

@justkevin85 Do you mean insurance claims adjuster or agent, the person who services the policy? If you need claims answers, be sure youre talking to the claims adjuster.

@justkevin85 State Farm isn't scamming you. Yes. Definately call the police and report the car stolen. They'll ask if you know who took it. Tell them who took it, under what circumstances, where it was supposed to go, the timeframe, that the company never delivered it and that they have not...

@vincefield No. You are owed reasonable transportation for the reasonable repair time or 3-7 days after a total loss offer is made. Those are all options you have but none of them will change how they claim is gets handled. CA is not a state where a LKQ rental is owed; only one with the...

@bobf1009 Mitigation of damages is codified into state law so Google is your friend. What the other carrier does or doesn't do has no bearing on her duty to protect the car from suffering further loss or take reasonable steps to make a non-drivale car, drivable. i.e. putting on a spare. While...

@bobf1009 They owe for the total loss of use of the damaged vehicle. If you purchase a tire and wheel, is the car then safely drivable until the repairs begin? Your GF has a duty to mitigate the loss, so if that's an option, keep the receipts and give them to the AD adjuster. They are not...

@jonkaro Make this simple and file with your own carrier. Keep receipts for any out-of-pocket expenses you incur and get those to your carrier to add to their subrogation demand.

@junior59 Check your policy for an arbitration clause. If it's there, use that option. It will slow down the process to reach final settlement, but it sounds like you're too far apart to reconcile this on your own.

@flajerz Good luck with case law. Most states say the claimant is owed reasonable transportation for the downtime of the vehicle during the repair or settlement process for a total loss. Only a few mandate LKQ rentals. None, that I am aware, mandate covering the fees associated with airport...