by cynicalwoodsman » Thu Sep 03, 2009 05:40 pm
My policy expired the day before an accident.
I have, to date, continuous coverage for 4 years. I had been a day to a week or two late with renewals/due dates several times in the past. There was always a grace period. It was always stated that I had never experienced lack of coverage. I renewed my policy day of accident. When I got my fresh id cards in the mail the dates of coverage INCLUDED the day of my accident. They simply, as always, picked up where previous period of coverage left off.
My ins. co. is denying my claim stating there is no grace period, and that I was uninsured that day.
Now I'm being sued, my lisence has been suspended, and I'm dealing with an amazing amount of strife. I have not attempted to contact my insurance co. because they have already expressed they will not be covering my claim.
Can't I fight them?
I have, to date, continuous coverage for 4 years. I had been a day to a week or two late with renewals/due dates several times in the past. There was always a grace period. It was always stated that I had never experienced lack of coverage. I renewed my policy day of accident. When I got my fresh id cards in the mail the dates of coverage INCLUDED the day of my accident. They simply, as always, picked up where previous period of coverage left off.
My ins. co. is denying my claim stating there is no grace period, and that I was uninsured that day.
Now I'm being sued, my lisence has been suspended, and I'm dealing with an amazing amount of strife. I have not attempted to contact my insurance co. because they have already expressed they will not be covering my claim.
Can't I fight them?
Posted: Thu Sep 03, 2009 07:01 pm Post Subject:
.
Part of your Post:
My ins. co. is denying my claim stating there is no grace period, and that I was uninsured that day.
By insurance Co. do you mean Headquarters, Agent, Adjuster, phone operator??
Was the denial in writing?
I no expert by any means.... but I do have an active interest and this does not seem right.
Posted: Thu Sep 03, 2009 07:07 pm Post Subject:
PS, The insurance Adjuster's on this site will likely need to know what State you are from. Being that insurance is State Regulated and is different in each State.
Posted: Sat Sep 05, 2009 12:07 pm Post Subject:
There was always a grace period.
NO auto (or any P&C) policy that I've ever seen (in over 20yrs) has a grace period. All policys will have wording that says something along the lines of;, 'we may cancel this policy at any time during the policy period for failure to pay any premium when due' or 'we may refuse to renew a policy if premiums have not been received by the due date.' or, "we agree to insure you based on your promise to pay all premiums WHEN DUE" There is NEVER any where in an auto policy (again that I've seen) where the language is anything other than, 'You have coverage only if the premium is paid on time'. Read your policy over, and look for it, see what it says..Now they can at their choice accept the premium after the due date. But no way are they required to..Let me ask you a couple of question..
I renewed my policy day of accident.
Just how past due was it? When was it due when did you get into the accident..When I got my fresh id cards in the mail the dates of coverage INCLUDED the day of my accident.
Yeah, but those would've come even before you due date...further more it will say with your renewal that it's ONLY if the premium is paid by the due date.Now I'm being sued, my lisence has been suspended, and I'm dealing with an amazing amount of strife. I have not attempted to contact my insurance co. because they have already expressed they will not be covering my claim.
Ok, well first off to you have insurance NOW somewhere? Who denied the claim? Did the claims dept? Can you PROVE with cancel checks etc, that your premium was accepted and policy renewed back to the lapse date in the past? I've never heard of carrier doing this for any greater time than 10days past the policy period (uninterupted coverage). They can reissue a policy that has lapsed..Posted: Mon Sep 07, 2009 03:46 am Post Subject:
We know everyone who drives need buy car insurance. As a matter of fact, most states require it by law. If you decide to buy car insurance, you are buying what is called a policy. You should notice the policy. Auto insurance policies are actually a package of different types of insurance coverage.
The policy concern of law so i think the available date is important.
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