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: Thu Aug 28, 2008 07:33 pm Post Subject: If my insurance company sold me a policy that I t
According to the Division of Insurance "in theory" you would be right Lori. As explained to me by the Division though, the policy was actually not allowed to be given to me in the first place because I reside in a home where a household member owns vehicles. Also, the sr22 attached to that policy is not legitimate because the policy is not considered legitimate. So, therefore, I cannot drive until I hear back from my boyfriend's agent to let me know that I am insured by my boyfriend's insurance policy w/an sr22 filing. Instead of selling me a policy, my agent should've advised me to contact my boyfriend's agent in the first place. I initially contacted my agent to see what I needed to do in order to get an sr22 bond. (I thought there was a difference between a filing and a bond) It appears that my agent was only interested in selling a policy instead of what was the right thing to do.
Posted: Thu Aug 28, 2008 09:01 pm Post Subject:
Please let us know the outcome of this...you have contacted the actual insurance company? policy services maybe? If not they certainly need to know, I would ask to speak to a MANAGER, not a teamleader or supervisor but someone who manages either issueing of new policys and/or the agent's district sales manager...am I to assume this is Progressive? (from your post in the other thread).....If so I don't think they will take this lightly at all...once they are aware of what exactly happened.
Posted: Thu Aug 28, 2008 09:11 pm Post Subject: If my insurance company sold me a policy that I t
No, the insurance company is not Progressive. Good guess though!!! I will definately keep you all up to speed as this situation progresses.
Posted: Fri Aug 29, 2008 10:11 am Post Subject:
Good guess though!!!
Darn it, thought I had it pegged with your ''they are very big especially in Ohio" comment! :lol: :wink:Posted: Tue Sep 09, 2008 11:37 am Post Subject: If my insurance company sold me a policy that I t
Well, I finally got the company to cancel the policy. They wouldn't even refund the amount for my renewal even though I had told them not to reinstate the policy. I did file the complaint with the Department of Insurance, and they have started their investigation. I will keep you posted as I hear more from the Dept.
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