by YAMILA » Wed Feb 04, 2009 07:22 pm
I WAS AT FAULT IN A ACCSIDENT I WAS DRIVING MY HUSBANDS CAR NOW MY HUSBAND TOLD THE INSURANCE COMPANY THAT I WAS SUPOSTOBE IN THE POLICY BUT I WAS NOT THE PERSON THAT I HAD THE ACSIDENT WITH HAS NOT CALLD ME AND MY INSURANCE COMPANY SAID THAT IT WAS ONDER INVESTIGATION I NEED SOMEONE TO TEEL ME WHAT COULD HAPPEN.
Posted: Wed Feb 04, 2009 07:42 pm Post Subject:
First, you need to get a new keyboard as it appears your capslock key is stuck. Caps are considered YELLING and yelling an entire post is rude.
If you filled out your application and wrote down all your information, you will not have a problem as it was just the insurance companies mistake. If you _thought_ you asked to be listed but you did not, then you may not be covered under the policy. Depending on the state law that apply, several things could happen 1) if the driver alone is liable then the insurance company may not provide coverage. Or they may reduce the liability coverage down to the state minimum (probably won't create an issue) or 2) if the state laws hold the owner also responsible for the accident then the insurance company may not provide _you_ coverage but they will provide your husband coverage and pay the claim.
Right now you just need to wait and hear from the insurance company.
Posted: Wed Feb 04, 2009 07:52 pm Post Subject:
Yamila,
MY INSURANCE COMPANY SAID THAT IT WAS ONDER INVESTIGATION
I think you will be just fine, chances are the only thing that 'might' stop them from paying the claim is if you were an excluded driver on the policy and i doubt you were...when your husband took out the policy were you married? did he say he was married on the policy? chances are the answer to both of these questions are yes...I doubt you will have any trouble, other than having to pay your deductible to repair your vehicle (if you have collision coverage) and most likely your premiums will increase due to an 'at fault' or 'chargeable' accident now against the policy...let us know if we can help you with any more questions, also check on that space bar, I think possibly it's not working correctly either.Posted: Thu Feb 05, 2009 04:39 am Post Subject:
Hey,
Depending on the state law that apply, several things could happen 1) if the driver alone is liable then the insurance company may not provide coverage.
I thought that the insurance company covers you if you were driving the car with the owner's permission, isn't it correct? And, also in some states the auto owner's policy act as the primary one when the driver's play the secondary role. IMO, since she is a household driver she would get coverage. What do you guys say?
Posted: Thu Feb 05, 2009 05:50 am Post Subject:
I thought that the insurance company covers you if you were driving the car with the owner's permission, isn't it correct?
Insurance applications ask or the named insured to list all those living in the household who will either be driving the vehicle or are able to drive. They need to know this so that a correct premium can be charged based on the exposure. In this case, that information may not have been disclosed on the application. If this was done, the insurance company can recind the policy (cancel it as never in-force). If that is done, no policy existed so... no coverage. An insurance policy will extend coverage to drivers who don't have _regular_ access to the vehicle.Add your comment