by campangnolo » Fri Oct 24, 2008 01:30 am
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?
Posted: 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.
Posted: Sun Feb 28, 2010 05:08 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.
Posted: Mon Mar 01, 2010 12:05 pm Post Subject:
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..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..Posted: 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))
Posted: Thu Apr 28, 2011 07:35 am Post Subject: Auto Insurance Policy Cancellation
Thanks to all for discussion about Auto Insurance Policy Cancellation. This discussion solved my prblems. Thanks to all.
Posted: Fri Apr 29, 2011 02:19 am Post Subject: Ask an agent
you should have suspended the plates, which means put them on hold with dmv or suspend the insurance which just covers it with comprehensive. Suspending a vehicle wit the insurance company would have cost you abour $4 per month. How would the DMV know you did not drive the car? This is what happens when you buy insurance from a lizard or FLO on the phone. THey dont tell you these things
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