I owned an insurance agency for 22 years before I retired. I would havd gone to bat for you, even going to the hearing bringing all my records and testifying for you. This likely could have pretty easily been rectified. In fact we had a similar case at one time, if memory serves the police officer gave my client like 5 days to prove the mistake. All it took was documentation from our files to clear it up. Any agent not willing to stand up for you does not deserve to be an agent.
Auto insurance
- Thread starter Jstpssng
- Start date
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The problem is that the serial number has been wrong from day one, and after 4 years I don't even remember how I provided it to them. In a court of law, I don't believe that I have a leg to stand on; the onus is on me to ensure things are correct. I sent my agent a note last night asking if it was the best they can do, but haven't heard back yet.
lilranch2001
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you may be correct, I maybe getting you mixed up with someone else, if so I apologize
KennyG
Elite Member
I guess my response would be that you paid them for coverage for four years. If they won't stand up and support that you did have coverage, they owe you four years of premiums. They violated an implicit contract to provide insurance coverage.
aczlan
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That is why they have errors and omissions insurance, they should be on your side on this given that you paid your insurance in good faith.
I am also curious why the state hasn't caught this.
In NY the insurance companies have to report to the state which vehicles they are insuring and they will suspend your license for having a vehicle registered and played with no insurance on it. They will also not let you renew the registration without valid insurance.
Aaron Z
Bird
Rest in Peace
Many, many years ago, when part of my job was commanding the police auto pound, I received a complaint that the police had impounded a stolen pickup truck, then released it back to the thief a day or two later. It didn't take very much checking to find the story was true to that point, BUT that the pickup was already once again in our auto pound.
This was a late model pickup that the owner had bought recently and never compared the VIN on the truck to his title. So, when he reported it stolen, he gave the officers the VIN shown on his title, but the actual VIN on the truck was one digit different. The thief was caught stealing from a construction site, went to jail with the pickup impounded, but he was only charged with the construction material theft, so when he got out on bond, he wen to the pound and got the truck. Then he got caught stealing again, and when I got the complaint about us releasing that truck, it was already back in the pound again.
ONE DIGIT difference in what was reported stolen and what was actually on the truck. So, as you might guess, I carefully check the VIN on my vehicles against the sales papers, the title, the insurance policy, etc.
This was a late model pickup that the owner had bought recently and never compared the VIN on the truck to his title. So, when he reported it stolen, he gave the officers the VIN shown on his title, but the actual VIN on the truck was one digit different. The thief was caught stealing from a construction site, went to jail with the pickup impounded, but he was only charged with the construction material theft, so when he got out on bond, he wen to the pound and got the truck. Then he got caught stealing again, and when I got the complaint about us releasing that truck, it was already back in the pound again.
ONE DIGIT difference in what was reported stolen and what was actually on the truck. So, as you might guess, I carefully check the VIN on my vehicles against the sales papers, the title, the insurance policy, etc.
Bird
Rest in Peace
Many, many years ago, when part of my job was commanding the police auto pound, I received a complaint that the police had impounded a stolen pickup truck, then released it back to the thief a day or two later. It didn't take very much checking to find the story was true to that point, BUT that the pickup was already once again in our auto pound.
This was a late model pickup that the owner had bought recently and never compared the VIN on the truck to his title. So, when he reported it stolen, he gave the officers the VIN shown on his title, but the actual VIN on the truck was one digit different. The thief was caught stealing from a construction site, went to jail with the pickup impounded, but he was only charged with the construction material theft, so when he got out on bond, he wen to the pound and got the truck. Then he got caught stealing again, and when I got the complaint about us releasing that truck, it was already back in the pound again.
ONE DIGIT difference in what was reported stolen and what was actually on the truck. So, as you might guess, I carefully check the VIN on my vehicles against the sales papers, the title, the insurance policy, etc.
This was a late model pickup that the owner had bought recently and never compared the VIN on the truck to his title. So, when he reported it stolen, he gave the officers the VIN shown on his title, but the actual VIN on the truck was one digit different. The thief was caught stealing from a construction site, went to jail with the pickup impounded, but he was only charged with the construction material theft, so when he got out on bond, he wen to the pound and got the truck. Then he got caught stealing again, and when I got the complaint about us releasing that truck, it was already back in the pound again.
ONE DIGIT difference in what was reported stolen and what was actually on the truck. So, as you might guess, I carefully check the VIN on my vehicles against the sales papers, the title, the insurance policy, etc.
Sigarms
Super Member
Insurance = legal organized crime
It's like playing the slot machine IMO. I you're lucky, it's your turn to get somekind of payout if you have a claim.
It's like playing the slot machine IMO. I you're lucky, it's your turn to get somekind of payout if you have a claim.
kenmac
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It's like gambling and trying to beat the house. In the long run,The house will always win
Citydude
Elite Member
Or if you win the jackpot (file a claim), they kick you out ot the casino ( drop your poiicy)
