Auto Insurance Policy Cancellation

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PostPosted: Fri Oct 24, 2008 1:30 am   Post subject: Auto Insurance Policy Cancellation  

My insurance agent from Nationwide called to tell me that my policy was in danger of being cancelled because of lack of payment. (My ex-wife was responsible for making the payment per agreement but that's besides the point) I decided that it was time to get my own separate policy and asked the agent to call me back with quotes before the end of the business day. She never called me. I called Progressive, found a great deal and got a new policy with Progressive. The next day my insurance agent phoned me. I told her that I had opened a new policy with a different insurance company. I now find out that there was a lapse in coverage of a few days and am being penalized. As far as I knew, according to the information given to me by my agent, there wasn't any lapse at all. How can i prove this?

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PostPosted: Fri Oct 24, 2008 1:50 am   Post subject:   

Nationwide should be able to give you documentation showing you the cancellation date of your policy.



Compare that to the start date of your Progressive policy and you will see if there is a lapse.



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PostPosted: Fri Oct 24, 2008 4:33 am   Post subject:   

Was their a lapse? Your not clear. Need to know the answer as it changes your question. That is, how can I prove that there was no lapse, as there was none or how can I prove that my agent told me there was no lapse, when there was one.

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PostPosted: Fri Oct 24, 2008 9:28 am   Post subject:   

I think 'maybe' i get it..had he renewed there would not have been a lapse (ten day thing probably) however since he did not renew there would've been a lapse.



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PostPosted: Fri Oct 24, 2008 10:25 am   Post subject:   

Is it possible to get a new policy with a lapsed policy in record? Does it affect the price?



Is there a chance that the new carrier may decline the coverage since you haven't settled with your pervious carrier and had let the policy lapse for non-payment of premium?

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PostPosted: Fri Oct 24, 2008 1:45 pm   Post subject:   

You can buy auto insurance anytime - regardless if you have some in force or not. Of course, coming to an insurance company without insurance already in force will cost you.



It's possible that the OP told Progressive he had insurance in force. After the policy was written, they went to verify everything and discovered that the insurance wasn't in force; it had canceled a few days prior.



They will adjust the premiums accordingly.



Again, get copies of the old and new policy and compare dates.



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PostPosted: Thu Aug 20, 2009 6:29 pm   Post subject: insurance laspe  

my car was stolen a week ago, of coure i called police then i called my insurance company .during my conversation with my insurane i was told there was a laspe in coverage which i was unaware of i made payment an reported claim now im being told there is nothing they can do for me. is there anything i can do


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PostPosted: Fri Aug 21, 2009 10:52 am   Post subject:   

No sorry Nikki if you let your policy lapse and had an loss while it was in lasped status, no there is nothing they can do.



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PostPosted: Wed Jan 20, 2010 3:40 am   Post subject: how can I verify insurance  

i was hit by a vehicle (auto-ped. accident)

The lady who hit me said she had insurance. I was assigned a claims adjuster but later there was a letter given saying the policy had been cancelled on a certain month & day. On a previous random phone call it was told by the insurance company that the policy was cancelled two months before the date mentioned in their letter. The lady insists that she had coverage and that her policy is still in force. I have researched this company to find they had been fined, not only in MO. where this accident happened but also in IN for not properly handling claims. Is there an agency in Missouri that can verify if she indeed was covered or not?


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PostPosted: Wed Jan 20, 2010 3:43 am   Post subject:   

You need to file a complaint with your states Dept of Ins office. Let them know that you have been given incorrect cancellation dates and that you think the policy is still in-force.

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PostPosted: Wed Jan 20, 2010 4:08 am   Post subject:   

One would expect that there would need to be some written correspondence to the policy holder establishing withdrawl of cover?



Are they saying she stopped paying? If so it should be pretty easy to clear up. If it truns put that she did let the cover lapse, you will have to go after her personally for any damages.



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PostPosted: Thu Jan 21, 2010 12:30 pm   Post subject: Lapse in policy  

To prove that there was no lapse on your part, you can present

the receipts of the premium payments to the insurance company.


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PostPosted: Sun Feb 28, 2010 5:08 pm   Post subject: Pedestrian  

If you were a pedestrian hit by a driver of a car in Missouri you can go to YOUR OWN auto insurance company if you need to. They will help sort out the insurance on the person that hit you.



A policeman's wife hit someone in the Walmart parking lot in Rolla, Missouri. They had no insurance coverage but the pedestrian did have an auto insurance policy which covered her medical treatment and took care of seeking restitution from the woman who hit the pedestrian. Hard to believe, but this is a true story reported in the Rolla Daily News.


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PostPosted: Mon Mar 01, 2010 12:05 pm   Post subject:   

Quote:
If you were a pedestrian hit by a driver of a car in Missouri you can go to YOUR OWN auto insurance company if you need to. They will help sort out the insurance on the person that hit you.
Not always, your example has one element that makes this so..



Quote:
They had no insurance coverage but the pedestrian did have an auto insurance policy which covered her medical treatment and took care of seeking restitution from the woman who hit the pedestrian.
The reason her carrier (the ped) took care of everything is because the cop's wife was uninsured..(shame on her by the way)..so the ped. uninsured motorist coverage is what she collected under. If the driver were insured, the only possible thing your ped could've got would've been medpay..which isn't required in MO however a lot of people carry it. But it only covers medical bills ONLY nothing else, and only to the limit purchased. I've never seen more than 10k on a medpay limit, and generely 1-2k is what people buy..


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PostPosted: Sun Jan 30, 2011 10:34 pm   Post subject: Parked Car  

Looking for some help in dealing with the New Jersey DMV. I just got a letter saying my registration was suspended because I didn't provide insurance on my car while driving it, which isn't true.

In September I temp. moved to Pa, leaving my car parked in the driveway of my parent's house. During the time I was away, my policy ran out. I decided to leave it dead because I found a better, cheaper company. When I can back home, I registered with the new company and have been driving with them ever since. There was about 2 months were my car was uninsured, however it was not driven, stayed in the same place I parked it. I don't understand how I can be fined when I've always had my car insured while I was driving it. Do I need to inform the DMV if I am parking my car for a couple months and don't have it insured?

((Also, I've already checked NJ's DMV site and there's nothing about it, save for the min. requirements of the mandatory insurance for all drivable vehicles))


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