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luis c | Car insurance trouble? |
I bought a car, and the next day i accidently ran in into my garage, and i called the insurance and they told me it wasnt coverd because policy wasnt in the system. but i had allready signrd and faxed all the paper work the day before. shouldnt i be insured. also there web site says they cover on the spot. should i get a lawyer.
Additional Details
Ya i found the binder, and it says it started the day before i crashed it. so they should cover it shoudnt they? |
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mprush12
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I would say yes, just because you have or have not received the insurance coverage details, you know like what they mail out to you, you will still be covered. If you put the down payment on your insurance the day before its in the system documented and your bank account can vouch for that also.
But if its not a new policy and you were just adding another car, as soon as you call them and change the info the policy should begin. Even if they say the policy starts the following day, which some companies do....It happened the very next day and you would be covered.
I would talk to a Lawyer....Most will do a free consultation, and wont charge you unless you win....So go get one. Yes! |
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mrbass
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if the company issued you a binder prior to your date of loss they should have to pay for the damages to your car. instead of getting an attorney. call your states insurance commisioners office. they should be able to assit you and it wont cost you a dime. |
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mbrcatz
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Did you PRINT OUT THE PAGE that said you, and your car, by name, were covered on the spot? That's called, a "binder".
I'm guessing you were acting as your own agent - which is a bummer, because an agent can ISSUE you a binder, also. It's very, very easy to miss "conditions" and such, when you're acting as your own agent, if you don't know what to look for.
If I were you, I'd ask for a copy of the declination in writing.
And if you DO want to get a lawyer, you're going to have to pay them up front, and it's probably going to cost more than your damages. YOUR auto policy will only cover damage to YOUR CAR. The HOMEOWNERS policy covers the damage to the garage - and in TX, not always then, as the standard homeowners excludes vehicular damage done by a vehicle owned by a household member. |
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towanda
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Always remember your insurance agent works for the insurance company. They do not always tell you the truth. I just bought a car and the car salesman faxed over information to the insurance company and then they faxed back insurance papers and I was covered with the insurance card in my hot little hand. Not in the system is their clerical problem. The paperwork says you are insured and talk to a different idiot. If you have problems locally, then call a main office whereever it is. Sueing cost $, but I would try to find someone at the insurance company that will give you the service you have paid for. Keep records of when and whom you talk to. When you get it all settled, I would report the insurance company. I'm sure there is a state or federal office that oversees insurance and report them. Whoever gave you that information about not being insured has been instructed to tell that to anyone they think will believe it. Also the next time someone tells you something you know to incorrect, ask them to put it in writing and date and sign it. Bet they won't. And then demand the manager and let him have it. I was rearended years ago just after I'd suffered a really bad neck injury. I was pretty scared about damage. I was instructed to come to his insurance company where this little twit told me they would only pay for $5000 in medical fees and no imaging of my neck-only xrays. I told her to put that in writing and, of course, she refused. It went straight down hill for her after that. She messed with the wrong person. Get a lawyer if necessary, but don't forget when it's all said and done-report the insurance company to the proper place including the mail office-usually where the payment go. That is unacceptable behavior and someone needs to be personally accountable. |
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