To what extent can my insurance company limit payments made on my total loss car claim if they are acting in subrogation for me against another insurer?
Question Details: My car was rear-ended 4 months ago. The other driver's insurance company declared it a total loss and told me several weeks later that I would have to file with my insurer and they would subrogate the claim with them after. My insurance company took 2 months, insisting that the car be torn completely down days after the other insurance company had told the body shop the car was totaled and thought the claim finished. It took 2 1/2 weeks to get the car back inside to tear apart. Finally, the next month they declared that the car was totaled. However, now they're saying that they won't pay the accrued storage fees incurred while they were doing all this. They've told me that I will have to pay over half of the fees. Can they do this? I know the other insurance company has already sent them a check for $12,454 and they are dragging their feet over $1600 in storage. What I can do? I have also submitted a complaint with the NCDOI and am waiting to hear back from them.