by mb3383 » Wed Aug 27, 2008 06:36 pm
My insurance company sold me a name non-owner policy because I do not own a car and have to have an sr22. They knew that I lived w/my boyfriend and that he has 3 cars at this address. Come to find out, I really am not allowed to have this policy for this reason. A name non-owner policy is meant for people that do not have regular access to a vehicle. Having 3 cars here, I obviously have access to 3 cars. I told my insurance company that I wanted to cancel the policy and expected to be reimbursed for the money I have paid them (minus the cost of the sr22 filing) seeing as if I would've gotten into an accident while driving one of those cars, my insurance wouldn't mean anything. They basically refused. I am wondering if I am able to sue them for at least the money that I paid and what type of lawyer would handle this type of case.
Posted: Wed Aug 27, 2008 09:20 pm Post Subject:
When you filled out the application it did not ask this type of question? I think perhaps it did. How did they find out about the other vehicles?
Posted: Thu Aug 28, 2008 07:18 am Post Subject:
If you had disclosed while applying for policy that you are staying with your boyfriend and he has 3 cars ,then the insurance company shouldn't have sold the non-owner policy .I think you are right in your complaint and can probably sue the insurance company.Regarding the lawyers I think the moderators need to step in to help you out..
Posted: Thu Aug 28, 2008 09:14 am Post Subject: If my insurance company sold me a policy that I t
I did list the 3 vehicles on the papers they sent me to sign. I even called the company to ask if I needed to list the VIN #s and they told me not to because I was not actually insuring the cars. I also gave them the scenario "if I drive one of his cars and get into an accident, how will that affect his insurance?" They told me it would not affect his insurance at all.
Posted: Thu Aug 28, 2008 09:50 am Post Subject:
I seriously doubt they will refund any money other than from the date you cancel it as you had coverage (on other vehicles) during that time frame...
Posted: Thu Aug 28, 2008 10:15 am Post Subject: If my insurance company sold me a policy that I t
I didn't have coverage on other vehicles, my boyfriend did. The point is that this policy was not allowed to be given to me because of this, and my insurance company should have never written this type of policy for me. Thanks anyway for your reply Lori.
Posted: Thu Aug 28, 2008 11:11 am Post Subject:
I've the same question as tcope, haven't you checked the policy papers before signing?
Lori, I'm just curious, as the insurance company has sold her the policy knowing the fact that they can't sell a non-owners insurance to a person, who has more than occasional access to the vehicles, hasn't they operated under bad faith?
Posted: Thu Aug 28, 2008 11:29 am Post Subject: If my insurance company sold me a policy that I t
Hey guys!
I just started another post in continuation to this one. Your not going to belive what the company did now! The post is entitled, "This name non-owner situation is driving me crazy!" Also, keep in mind that this is not some "rinky-dink" company. It is well known, especially here in Ohio.
Posted: Thu Aug 28, 2008 04:24 pm Post Subject:
Lori isn't it wrong on the part of the company to have issued the non-owner insurance in the first place ?
Posted: Thu Aug 28, 2008 04:45 pm Post Subject:
OP, have you asked your agent why the insurance company issued the policy knowing that they would not honor it?
I did list the 3 vehicles on the papers they sent me to sign.
I don't see why the application would ask to have the vehicles listed if the insurance company won't write the policy if their are vehicles in he household. That is, I would think the application would simply ask _if_ their were people living in your HH that owned vehicles, not have you list them.There is not enough information known to give good info... I see two choices for the insurance company... rescind your policy (cancel it as never in force), in which case they would need to refund all premium. Or cancel the policy for material misrepresentation... which, per your posts, did not happen.
I really think you need to sit down with your agent (not just anyone in the office) and have a discussion to found out some facts.
Posted: Thu Aug 28, 2008 06:22 pm Post Subject:
I don't see why the application would ask to have the vehicles listed if the insurance company won't write the policy if their are vehicles in he household
See that's my point...she would've had coverage under her 'drivers policy' just not on the three cars in the household...if she used my car, then she would've been covered...therefore she has been protected (as non-owner driver) for the term she has paid...right?Add your comment