100 Insurers Message Board

Subject: Re: Re: Re: Re: why won't they pay

Comments:
: : 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. : EVEN MORE ADDITIONAL INFORMATION FOR A QUALIFED RESPONSE................ : If you were living at home when the policy was taken out and not named on the policy, then it could be the insurance company is contending that since you were living at home at the time it was purchased and not named on the policy you deceived the insurance company which nullified the policy at the time of loss, just as I previous stated. : If you were driving the car with your mothers permission but you were not licensed, then thats another story. : If the car had been stolen and the driver of the car was not licensed then there would be coverage on the vehicle as the Adjuster stated. :) : The fact that your mother may have a personal auto policy would further give the company reason to deny the claim if you were living at home. You see, if you were living at home she should have had a family policy. She could have excluded you as a driver of the vehicle if she wanted to. : Adjuster is correct when he says the insurance company must send you a letter telling your mother why she is being denied the claim as the posted Adjuster repeated to you what I did in my response. : Once she receives the letter then you won't need either me or the poster Adjuster to respond to your inquiry. :)

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