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disgruntled | Insurance claim mis-information? |
So, my car got pranged in a supermarket carpark, the other guy disappeared before I returned to the car.
Phoned the insurance company. They said that my 7 years no claims would reduce to 5 but they only recognise 5 so it would make no difference to my premium next year. So quickly did the math and taking into account the excess etc decided to submit the claim.
All done, great,super.
Now they tell me that my no claims is reduced to 3 years not 5.
So, my question is: is the first phone conversation binding? |
 |
 
jerry
|
Yes, it is binding, if you can prove it happened. It is called "estoppel." When the insurance company tells you there is coverage or they are going to be paying something, they cannot rescind it without proper reason.
Not all phone conversations are recorded. However, hopefully you have the time/date you called and the name of the person you spoke to. Insurance companies usually will make a note in your file as to who spoke to you and what was discussed. If the person wrote what they told you into your file, they will be on the hook for it. If they didn't, the burden of proof is on you to prove it. |
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waggy
 |
All phone calls should be recorded and monitored for quality assurance and compliance. Certainly that is how it works in the UK as most insurance companies are bound by FSA guidelines. I find it hard to believe the US would be any different, so I would definitely look at making a complaint. Get as much info as you can, it might come in useful. |
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barry-the-aardvark
 |
i doubt that they've recorded that conversation. they don't record all of them, they merely state that they can (if they wish) record the conversation for training purposes... so in all, i think that you don't really have much on your side here. |
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judipod
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Hindsight I guess but I've always paid a bit extra to protect my no claims. |
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mbrcatz
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Probably not. "Binding" is for coverages. The claims history effect is not technically a coverage, but a process issue.
Sorry. |
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