My friends car was stolen, then recovered after 42 days. The insurance Co hadn't yet settled. They said they needed 30 days to investigate after which they would settle. The car was found, the following day a final agreement was supposed to be reached. Is there a specific time period in which they must settle in CA? Does the car still belong to my friend as the insurance CO. claims? Some minor damage was done, but we feel we should pay for an independant total mechanical inspection to see if underlying damage was done. They are sending an adjuster --which is fine-- but he's not going to be able to do much except start it up and listen to it. Also, There were thousands of dollars of tools in the vehicle. (she has comprehensive $500 dedect.) I know they are not normally covered, but in the case of vehicle theft , is there an exception? Thank You

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.