That form was entitled ‘Proof of Loss/Receipt and Release ‘ (see You Are The Enemy number 3, page 2, on the Considerations page at for an example).From contributor Ron Cercone: I had the experience of standing in line with a client at a AAA office in Visalia, California for the purpose of signing one of these forms.A release may be on the back of a third party claim check (or uninsured motorist claim check from your own insurer), but should specify the portion of the claim, for example, automobile damage versus injury, etc.Note – most people think it puts “pressure” on their own insurer to settle the claim fairly if they don’t cash the check. The insurer could care less if you cash the check or not.It was much like a line in a bank where you approach the teller behind a wall to get your money.You stand up at the ‘tellers wall’ as people stand in line behind you, impatient, waiting to do the same thing.
You have two years on bodily injury claims in California.In fact, it allows them to draw interest on checks not cashed.They owe the “undisputed amount” whether or not you, the insured, agree with the insurer’s valuation.When my client asked if he could take this Proof/Release form home, for an attorney to review before signing, he was told that no one was allowed to take these forms from the building before signing.My presence as a public adjuster (and witness) made no difference. When my client asked if he could go sit down and read it over before signing, the clerk said he could, but that he would have to go to the end of the line and wait his turn to get back to her window. Well, my client, being in a hurry, decided to just read the document at the window.