the vehicle. the person who hit her wasn't insured, but he had 30 day tags on the vehicle also overstay and reckles driving which he recviced tickets for. Put the claim on the same day of the accident which now 30days ago and still nothing from my insurance compay if they are going to pay out. Can some one tell me if I have a right to cancle the policy,because its been 30days and 5days and havn't heard nothing from my insurance.
2006-07-03 11:28:08 · 9 answers · asked by ladycm35 1 in Cars & Transportation ➔ Insurance & Registration
and by the way I'm in the state of Virginia.
2006-07-03 22:46:27 · update #1
It would not be a good idea to cancel the policy now. Call your adjuster and ask what their decision is. You might also want to review your policy with your agent to see if your daughter should be afforded coverage under your policy. Alot of things can play into whether or not she has coverage under your policy. Sounds like you have a bad adjuster if no one has gotten in touch with you after 30 days. After you talk to your agent, call the adjuster once more and if they still don't respond w/in 24 hours, call their supervisor. If that doesn't get any response, file a complaint with the insurance commission.
2006-07-03 11:33:47 · answer #1 · answered by ~ â?¥ ~ Annette ~ â?¥ ~ 3 · 0⤊ 0⤋
You can cancel your insurance now and it won't have anything to do with your claim. Your insurance at the time of the accident is what matters. But I agree, something is wrong, 35 days is way to long. If you daughter lives in the household with you there could be an issue that she was not a listed driver. If she does not live with you and had your permission to drive, most policies will consider her a covered driver. I am not sure on VA laws though. Start calling the company to find out why the delay. You may have to sue the driver of the other vehicle if your carrier doesn't come through.
2006-07-10 11:38:53 · answer #2 · answered by jodi M 3 · 0⤊ 0⤋
A few things can happen:
(a) The deny the claim because she lives with you. Most companies require that people who live with you and related to you be on the policy (since, they have access to the vehicle, they would drive it.)
(b) They cover the claim and add your daughter on as the policy starting with the inception of the policy. Good news, since they'll cover the accident. Bad news, backdating adding the driver will change the rate.
(c) They don't pay the claim and instead go after the other driver personally. This might be why its taking so long. The other driver might be hard to track down or refuse to cooperate.
Follow up with the claims adjuster, ask for another, talk to their supervisor or even the supervisor's supervisor to figure out what is going on.
You do have the right to cancel the policy - but I wouldn't suggest that unless you have already started another policy. If you do cancel it, the previous insurance company will still work on the claim.
2006-07-04 00:06:04 · answer #3 · answered by PeppermintandPopcorn 3 · 0⤊ 0⤋
Is your daughter a licensed driver? Does she live with you?
If she is a licensed driver and she had your permisison to drive your vehicle then she is a covered driver under your policy.
Your insurance adjuster should have contacted you within the 30 days after receiving the claim, as you stated the day of the accident. Most states have a required time to handle a claim and it sounds like you need to check with your state's insurance commisioner to file a complaint.
First contact your insurance agent and complain about the lousy service you are receiving. He will contact the adjuster and light a fire under their butt. Then go over with him the policy for uninsured motorist coverage and if a deductible applies if you know who the at fault driver is.
Good luck and make sure your insurance agent gets involved.
From a 17 yr senior claims adjuster
2006-07-03 19:55:31 · answer #4 · answered by Kamikazeâ?ºKid 5 · 0⤊ 0⤋
first. is she old enough to be covered, second should she beon your policy. third, the other person's policy covers your vehicle damage if he had any. If he didn't have insurance, he is responsible but it depends on all factors, not just who was and who wasn't insured. You didn't say which state you live in and insurance requirments will vary. some states won't allow you to purchase a vehicle unless you have insurance when you pick it up, some don't. call an attorney for a quick check on requirements whereyou live as well as your options. Hiring a lawyer can be expensive if he won't take the case on contingency basis, I.E. fee gets paid when collection for damages occurs. Best of luck!
2006-07-03 19:00:05 · answer #5 · answered by de bossy one 6 · 0⤊ 0⤋
Get a lawyer.
Insurance should pay for your car and sue the other driver.
AND YOUR RATES SHOULD NOT GO UP.
Ask a laywer and he'll tell you the law.Ask an insurance company and your get bullshitted allday
I don't know what city your in but that's how it's done here in Virginia.
2006-07-03 18:41:42 · answer #6 · answered by Van 1 · 0⤊ 0⤋
If you check your policy or with your agent, there is clause that might cover uninsured drivers. I know mine does.
2006-07-03 18:33:57 · answer #7 · answered by ybarrasusan 1 · 0⤊ 0⤋
yeah kiss your rates goodbye. thier gonna go way up
2006-07-03 18:33:32 · answer #8 · answered by Anonymous · 0⤊ 0⤋
If she lives in your house you might be in trouble.
2006-07-03 18:39:16 · answer #9 · answered by red nova 1 · 0⤊ 0⤋