by Guest » Tue Aug 27, 2013 05:59 am
I know it’s too long but please read and give me some advice. We bought a sectional few months back and the sales person told that if we got insurance on that then they would replace or fix if the leather tore or if anything happened to it doesn’t matter actually how or when. He actually promised us. And it tore and the insurance company asked us how. We told them the truth that we were moving the thing to our new home and then they said they won’t cover as it was not in the residence.
I told them that the store person has said that no matter what happens I’ll get it fixed or replaced. But they said no! So what should I do now? They are too not willing to return our money back on the policy. They just literally ripped us off!
Please help us. What should I do now?
I told them that the store person has said that no matter what happens I’ll get it fixed or replaced. But they said no! So what should I do now? They are too not willing to return our money back on the policy. They just literally ripped us off!
Please help us. What should I do now?
Posted: Tue Aug 27, 2013 12:22 pm Post Subject:
Please help us. What should I do now?
You are the victim of MISREPRESENTATION. You were probably also sold insurance by an unlicensed person. What does your policy state about the terms of coverage? Is the policy even legitimate insurance?You can sue the salesperson in small claims court, and you should file a complaint with your state's Dept of Insurance complaining about the entire situation -- the sale of insurance by an unlicensed person and the claims denial. Plus the lack of a policy if one were never provided to you.
Live and learn. Before you buy (or keep) insurance, READ THE CONTRACT!! Know what is and is not covered. If you don't like what it says, cancel the coverage and get your refund. You only have 10 days to make such a decision.
Posted: Tue Aug 27, 2013 12:31 pm Post Subject:
MY guess is that it's not insurance... it's a warranty. As such insurance laws/regulations don't apply.
Sales people can tell you whatever you want. Do you think if you poured gasoline on the couch and lit it on fire that they would replace the couch? Did you read the warranty that was sent to you? The sale's person's word is going to be as good as the paper it's written on. My guess is that he would simply deny that he told you "everything" was covered.
Have you reviewed your paperwork to see if the denial is correct?
Posted: Tue Aug 27, 2013 01:45 pm Post Subject:
Whether a product warranty of some kind or insurance, the fact remains, MISREPRESENTATION probably occurred.
But as tcope insinuated, in small claims court the best liar wins.
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