by untuchablz_king » Tue Feb 24, 2009 02:44 am
i just got into a car accident today making a left turn in ontario, canada..the car that hit me ran a red light.everything was okay until i found out that my insurance got cancelled becasue we somehow managed to miss a payment...insurance lady says they wont cover me..any help would be great, thanks
Posted: Tue Feb 24, 2009 03:04 am Post Subject:
First... it takes more then a simple missed payment for a policy to lapse. I'm guessing it takes around 45 days at least and several letters notifying you of the late payment.
Contact the other person's carrier to see if they will address your loss.
Posted: Tue Feb 24, 2009 05:17 am Post Subject:
Since your insurer wouldn't address the loss, the option remains is to file the claim with the other driver's insurer. Turn the claim in and wait to hear from them. If the other driver has indeed caused the accident his insurer would cover the losses. Just keep praying that the other guy too doesn't turn-out an uninsured motorist like you.
~Jeremy
Posted: Tue Feb 24, 2009 11:51 am Post Subject:
i won't find any solution for the loss recovery as your policy is lapsed, don't take it personally but it's the fact.
Hope other driver's insurer will settle the claim. :cry: :cry:
Posted: Tue Feb 24, 2009 06:59 pm Post Subject:
If the person that hit you was at fault then his inusrance company will cover the repairs on your vehicle. I am not certain if you would get any money towards pain and suffering. I have heard of places having a no pay law..this menaing if you yourself are an uninsured driver then you can not collect any money for pain and suffering. I myself feel it is an excellent law and all places should have one like this. It would keep people from driving uninsured knowingly or not.
Posted: Wed Jul 22, 2009 08:38 pm Post Subject: uninsured
Hi. I recently had an accident in lousiana which was not my fault.however I didn't have insurance.I believe there is a law that states that there insurance will not pay for the loss of my car.I did have gap insurance but that really doesn't help me.is there anything thing I can do? PLEASE HELP
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