I got in an accident June 11 of this year. My insurance company decided about 30 days later that the claim was void because i wasn't listed as a driver on my dad's policy and they believed i lived with him.
To prove i didn't live with, i got check stubs from the previous 4 years, mail from before, around the same time as, and after the accident. I gave this all to the insurance company to prove i was not staying with my dad (i even offered to confirm it though my school, but they said it wasn't necessary). So by their policy / law, i was covered under his insurance.
They never responded, but said they would if there were any more problems. Later, i recieved a letter from the DMV stating that I had to send my liscence, and tags in before the 27th of this month unless the claim was paid. Along with that i needed to provide proof of being covered.
My insurance assured me things were ok, and took these papers and sent them in for me. Today, I got another letter denying my claim. WTF?
2006-10-20 18:57:23 · 5 answers · asked by leiter_1 1 in Business & Finance ➔ Insurance
The answer to your question is no- and yes. The insurance company must investigate coverage and liability timely. However, if they are unable to complete their investigation in a certain time frame (determined by the state if they have an act that sets it forth)- usually 30 days- they have to notify the interested parties that they are investigating and what is needed, and continue to efforts to investigate. So no, there is no time frame, but they can't just do nothing. If they're doing something, but can't make a decision, all they have to do is let you know.
The reason that you gave for the denial sounds a bit twisted like maybe you got some of the facts turned around. Is this your actual policy or your dad's? Whose car is it? Is it listed on the policy? Are you ( I think you said you aren't on your dad's)? Where do you live and how long have you lived there? Ok, I answered your question basically but have no idea what to tell you about the other stuff. The second denial could have just been their response (to affirm their previous position) to your new information you sent in.
You have to decide what to do now. A lot of people are telling you to get an attorney. That is your choice, and certainly if you intend to pursue coverage with the carrier, it might be necessary.
2006-10-21 15:23:29 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
So, you had a LEGAL residence that wasn't his home?? If you're away at college full time, you're still considered a household resident. He didn't claim you on your taxes, right?? You have a lease in your own name for the place that you live, and all utilities are in either your name or the landlord?
Also, it's not just about being the legal resident, but ALSO about being a regular, permitted operator. So if the car is one that you use more than six times a year, you STILL need to be listed on the policy. Failure to list a regular operator is called FRAUD. The insurance company HAS made a decision on the claim - they've decided it's not covered.
The ONLY thing you can do to help your case, is show them YOUR auto policy, showing you have coverage somewhere else, with YOUR car insured - which will show them that you and your family weren't trying to get out of paying for your premium. If you don't HAVE one, then you got what you paid for - no coverage for YOU.
2006-10-21 03:26:26 · answer #2 · answered by Anonymous 7 · 0⤊ 0⤋
What they're doing is making particular you probably did no longer cover the vehicle and filiing it stolen to gather the money. What i might do if i replaced into you may call an lawyer or shop calling the adjuster universal. many times. tell him you like a clean motor vehicle ... Its customary to could desire to attend 30 days nonetheless. B/c coverage companys often have a coverage to grant government 30 days to discover your motor vehicle, in the event that they dont to subject a verify for the fee of the motor vehicle. you will could desire to easily shop harassing the adjuster.
2016-10-02 12:39:15 · answer #3 · answered by cosco 4 · 0⤊ 0⤋
a) Talk to a lawyer.
b) Talk to a lawyer.
c) Read the policy. They may have an arbitration clause in it.
2006-10-20 19:01:13 · answer #4 · answered by Anonymous · 0⤊ 0⤋
something stinks you all ready talked to the enemy to much just got more headaches legal aid
2006-10-20 19:20:25 · answer #5 · answered by Anonymous · 0⤊ 0⤋