do i have to sighn any changes made to my auto insurance and

Message

Author

	Add to del.icio.us
	Add to YahooMyWeb
	Add to Simpy
	Add to BlinkList

Posted: Thu Oct 01, 2009 5:32 pm Post subject: do i have to sighn any changes made to my auto insurance and

Ihave a new truck that was totaled in an accident, Tmetlife said I had to have it inspected i told them it only ahd 3 miles on it they asked me to fax window sticker and bill of sale i did. metlife takes the payment out of my check every week. now i reort a claim they say they reduced my coverage to liability and pip, I beleive this is against the law without notiying me or leinholder. what is the answer

kittens03

New member

Joined: 01 Oct 2009
Posts: 1

1.32 Dollars($)

Posted: Thu Oct 01, 2009 9:17 pm Post subject: more information

Do you have any cars on your policy with collision coverage? Otherwise, the most broad coverage will apply if purchased within 30 days of the loss. _________________ Register Now to have your Insurance queries solved.

anonymousadjuster1

Guest

Posted: Sat Oct 03, 2009 1:57 am Post subject:

Quote:

metlife takes the payment out of my check every week. now i reort a claim they say they reduced my coverage to liability and pip, I beleive this is against the law without notiying me or leinholder.

I'm pretty good at deciphering posts, but I'm still trying to figure out what you mean by:
(1) Met Life (really, Met P&C) "takes the payment out of my check every week." Do you mean that they take the insurance premium from your paycheck or your bank account? Or are we talking about the truck financing payment? Or did Met finance your car? Could you clarify?

(2) By "reort" do you mean "report?" I'll assume that. OK...next:

anonymousadjuster1 said:

Quote:

Do you have any cars on your policy with collision coverage?
Otherwise, the most broad coverage will apply if purchased within 30 days of the loss.

While true in most states, it's not true in all. And I think you meant to say "Otherwise, the most broad coverage will apply if REPORTED to the insurer within 30 days of purchase."

This simply means that if you have an auto in the house with collision coverage, any newly acquired car will be given the "broadest" coverage currently in the house for a period of time. As well, there are differences between "New Acquired/Additional" and "Replacement" vehicles as to how coverage applies.

So, we need to know if (1) you have any cars with collision coverage in the household, (2) if this is an additional car in the household or was purchased to replace an existing vehicle, and (3) what state you live in.

Let us know!

InsTeacher Cool