|
|
 |
 |
 |
 |
 |
In Reply to: Re: why won't they pay posted by Ken Young on November 16, 2003 at 21:37:48:
Qualified Response:
Unless your mother has a high-risk "named driver" policy, the damage should be covered if she had collision and comprehensive coverage. Certain policies may be written to exclude specific drivers who have poor records (ie DUI convictions, etc.).
A "normal" "full coverage" personal auto policy should pay for the damage to the vehicle insured by the policy regardless of the driver - even if it were stolen and damaged, or driven without permission.
Call her agent and ask for a written explanation regarding why it was not covered. If you still do not agree, you may also contact the state insurance commissioner for assistance.
: I was driveing my moms car and i got into a wreck it was a single car one but the insurance is not going to pay for my moms car and she had full coverage on the car.
: RESPONSE....
: If you were living with your mom and you were not a named driver on her policy she may have a problem.
: She had "full coverage", so you say. That would include comp and collision so if you were a named driver on her policy the insurance company should be libel to repair her car minus the deductible.
: The insurance company should have stated in a letter to her why they are denying the claim.
: If there were no other cars involved and no other property damage other than to her vehicle; you are living with your mom and you were named on the policy as a driver, and of course if her auto premiums were paid to date, there should be coverage.
: Even if you are a licensed driver not living with your mom and not named on the policy, the policy coverage should repair her vehicle and pay for any property damage the vehicle caused say like you knocked down a fence or something like that.