No car insurance/accident question….HELP!!!?
I recently was involved in a 4 car accident and I unfortunately rear-ended a van going 30 mph which pushed 2 other cars into each other. I have full coverage on one of my vehicles just and recently (2-1/2 months ago) bought another car. I thought I put full coverage on the accident car online 10 days after the car was purchased through my existing insurance company. After the accident, I tried to file the claim through the insurance company and they told me I’m not insured on that car and the effort was only a “quote” and not an addition to my policy. I totaled the car and possibly the car I hit.. What are my rights? I need any suggestions….help!! I have proof of the bill of sale date and proof of the “quote” date.
I have an existing policy and the car was supposed to be added. The payments directly out of my bank account and I have a hard plastic insurance card with my policy number on it and no vehicle indications
I have an existing policy and the car was supposed to be added. The payments directly out of my bank account and I have a hard plastic insurance card with my policy number on it and no vehicle indications
I am with USAA insurance.. and I specifically remember giving the VIN number during the online session when I purchased the car…right now I’m in Minnesota.
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5 Responses to “No car insurance/accident question….HELP!!!?”
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I think you’re SOL. It is your responsibility to make sure your car is insured and in many places it is illegal to drive a car without insurance, so I’m not really sure how you got away with that one. If all you have is a quote, then you are not covered in any way, unless the other drivers bought protective insurance against uninsured drivers.
How did you not know you didn’t have insurance? Weren’t you suspicious when you didn’t have to pay for it?
People that drive without insurance should be thrown in jail.
Dont say, “I thought I had it.” You get these little things called insurance cards when you actually have a policy… it is called “proof of insurance.” You either knew you didnt have insurance or you are too dumb to be on the road in the first place.
I hope you get sued and also prosecuted to the fullest extent of the law.
People like you are the reason insurance rates are so high for the rest of us.
The only suggestion I might have for you is talking to your agent to see if they may be willing to backdate your insurance to the quote date. You would need to pay for those 2 1/2 months of premium plus your deductible but it’s a heck of a lot better than owing for everyone else’s damages out of your pocket!
Since you didn’t actually speak to anyone you won’t have any luck in an “errors and ommissions” case saying that you thought you had insurance.
You only have 30 days to add a newly aquired vehicle to your auto policy. Unfortunately you are responsible to pay for the damages to your own vehicle,as well as the damage you caused to others.
You should have realized that for the past 2 1/2 months that the vehicle wasn’t added to the policy. Some key indicators are that 1. you never received an insurance card for that vehicle and 2. your premiums did not increase.
Sorry
You have a limited time to add a newly purchased vehicle to your policy.
You should have called your agent to add the vehicle. Don’t rely on “on line”. Most companies require that vehicles be added and deleted by company staff. Did the quote have you enter the vehicle identification number? You have to give this to the company to actually add a vehicle – but it is usually not required for a quote.
The only thing you can do is talk to your agent and see if they can help you out. Since you did not actually add the car to the policy — the company does not owe you coverage.
If your company does not allow you to backdate coverage – then you are going to have to pay for the damage to your car and the cars in front of you. Once your company denies coverage – the other drivers will be able to file under their own policies. Once their companies settle with them, they will contact you for re-payment. You can set up a re-payment plan (interest free) to pay each of the companies back.
What company are you with? Someone out here may be familiar with that companies specific procedures.