Employee Vehicle Policy

Someone at the agency does not rewrite the policy correctly when a new vehicle was added. There are some important things were left out - the privilege and collision coverage. Now, we had an accident and they will not pay the claim. The agent even admits he was "surprised" that the other employee "did it." How can we go about the business and pursue our claims get paid?

Yes, you can continue and if it was really a mistake on the part of the company or agent, and not something that a reasonable person would expect to be caught and corrected, you'll probably win. However, if you had a reasonable opportunity to notice and correct the problem (you probably do), it can not work in your favor.

Contrary to popular propaganda, NEVER legitimate insurance companies try to weasel to pay legitimate claims.

I had not yet received declarations page with the revisions before an accident occurred (Murphy's Law). Only when an application was opened we found that coverage of collision was missing. We contacted a lawyer and sent a letter to the agent.Should we still have retroactive coverage? Flag

You wear a responsiblity too. Have you not read the revised policy coverage after the bill? You should have ensured that coverage was as you wanted at that time. This is what the insurer is if you sue - and they have many more lawyers than you.

You go after the agent. They are errors and omissions insurance for the events you describe.
It seems to them. and not the company screwed up. Have you talked to a lawyer?

How was recently added the vehicle?

See, if it was added, and you have not yet received the declarations page, then yes, you can and must proceed under errors and omissions.

But this is not the insurance company you want to continue - that the AGENCY.

But if the vehicle has been added, oh, maybe two years ago, when you have received at least two copies of the policy, and you said you do not crash the car, so that actually a lot harder.

You should probably have two cats: 1. With the local agent. You did well, but you must do so again. Tell him that you need to talk to the company (assuming it was not very long) and get the extra protection retroactively, so your claim is covered. His employee made a mistake - a big - and you have been told (by me) that there is a high probability that you want to win one of the errors and omissions lawsuits against him, and want to avoid the evil that You may, upon which he sat with the company. 2. with a local lawyer.


A couple of things I worry about this situation:

1. Who gave the information of new vehicles at the employee? Auto dealers are generally quite rudely taken care to verify coverage before allowing a new car off the lot.

2. Why was not the lender will send letters, asking where the coverage is? Unless this car is less than one month, you should have received a few.