by chwa_chang » Fri Apr 09, 2010 09:04 pm
My son borrowed my car last September when he moved to his apartment. The car has a comprehensive coverage and was stolen on 2/28. The insurance company said that I did not report the move, so they denied to pay. Any advice?
Posted: Fri Apr 09, 2010 09:36 pm Post Subject:
The insurance company said that I did not report the move, so they denied to pay. Any advice?
did your son already post a question about this? Did this theft occur in or around Boston?Either way, your best bet at this point is to file a complaint with your states dept of ins...
But seriously...'borrowing' your car for six months? :? Sounds more like it was his car to me....I'm surprised that they didn't just void the policy and refund your premium, (which they may still do)..also this has been six months..so more than likely that policy renewed during the time your boy was 'borrowing' the car...all renewals I've ever seen tell you very plainly that you must let the carrier know if anything has changed about your risk...look at your renewal and see...
Posted: Fri Apr 09, 2010 11:26 pm Post Subject: Refuse to pay stolen car
Hi Thanks for the quick reply. Yes, it happened around Boston. My boy is still under my policy. Actually I have four children. All of them are under my policy. We are a family. Anyone can use which car is available. The car stolen was used by mom most of the time. The problem is that he moved to his own apartment and we did not know that we have to report it. There are so many fine prints in the policy. We behaved in complete good faith.
Posted: Fri Apr 09, 2010 11:26 pm Post Subject: Refuse to pay stolen car
Hi Thanks for the quick reply and advice. Yes, it happened around Boston. My boy is still under my policy. Actually I have four children. All of them are under my policy. We are a family. Anyone can use which car is available. The car stolen was used by mom most of the time. The problem is that he moved to his own apartment and we did not know that we have to report it. There are so many fine prints in the policy. We behaved in complete good faith.
Posted: Sat Apr 10, 2010 11:50 am Post Subject:
We behaved in complete good faith
I don't doubt that a bit...really i don't..have you been following your son's thread about this ? Here's the link:http://www.ampminsure.org/start/about12481.html
I think at this conjucture a complaint with your states DOI is your best route...do you have the actual wording of the denial?
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