by searl » Wed Jan 20, 2010 03:43 am
i was hit by a vehicle (auto-ped. accident)
The lady who hit me said she had insurance. I was assigned a claims adjuster but later there was a letter given saying the policy had been cancelled on a certain month & day. On a previous random phone call it was told by the insurance company that the policy was cancelled two months before the date mentioned in their letter. The lady insists that she had coverage and that her policy is still in force. I have researched this company to find they had been fined, not only in MO. where this accident happened but also in IN for not properly handling claims. Is there an agency in Missouri that can verify if she indeed was covered or not?
The lady who hit me said she had insurance. I was assigned a claims adjuster but later there was a letter given saying the policy had been cancelled on a certain month & day. On a previous random phone call it was told by the insurance company that the policy was cancelled two months before the date mentioned in their letter. The lady insists that she had coverage and that her policy is still in force. I have researched this company to find they had been fined, not only in MO. where this accident happened but also in IN for not properly handling claims. Is there an agency in Missouri that can verify if she indeed was covered or not?
Posted: Wed Jan 20, 2010 12:10 pm Post Subject: MO Automobile Insurance
Here is a link to the Missouri DIFP through which you can contact the agency for assistance, register a complaint, check an insurer's complaint record, as well as find a host of information related to Insurance. Good luck.
http://insurance.mo.gov/consumer/auto/index.htm
Posted: Wed Jan 20, 2010 12:16 pm Post Subject:
There are a couple of things which are not quite clear to me as yet.
On a previous random phone call it was told by the insurance company that the policy was canceled two months before the date mentioned in their letter.
Did you get this call prior to the date when you got the claims adjuster assigned?
The lady insists that she had coverage and that her policy is still in force.
What does she say regarding your claim, now that her insurer is denying?
Posted: Wed Jan 20, 2010 05:51 pm Post Subject: phone call said two months later
the insurance company rep from the phone call said cancelled in July, but the letter, which came later, stated a cancellation in May, making two calander months later than stated in the letter
Posted: Fri Jan 22, 2010 09:42 am Post Subject:
If she's still covered then I'm sure she's writing checks towards her premium payment with this insurer. Is she still receiving her bills/statements in time?
Ask her to show it to you or your attorney, as this could be a valid proof. Otherwise her claim that she's still covered doesn't hold good. How's your attorney planning to pursue this case? Has he shared anything with you regarding his course of action?
Posted: Fri Jan 22, 2010 04:45 pm Post Subject: i was hit
That is what I am thinking. I am requesting my atty deal with the dept. of rev. in the state of MO. Insurance companies have to update their files & send an update once a month.
Posted: Sat Jan 23, 2010 01:07 am Post Subject: Insurance commissioner
You are on the right track, although I'm not sure you have to spend a bunch on attorney fees. I'm not familiar with MO, but MT has a State Auditor who also acts as State Insurance Commissioner. They generally are great about following all threads of an investigation and keeping you in the loop.
Posted: Tue Jan 26, 2010 09:51 am Post Subject: Insurance coverage
You need an attorney to sort this out. Since the lady claims to have a proper insurance, ask her to produce some proofs of the same.
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