by Guest » Sun Oct 16, 2011 01:13 pm
Hello all,
I will very much appreciate any advice that you can offer.
My sister sought a competitive auto policy quote after receiving a letter offering a discount for alumni from her alma mater in the mail. She explained to the agent that she has had accidents in the past, and certainly wanted to include collision. The agent ran the quote, and when it was less than what she is currently paying, she was excited and asked him to forward the policy by email.
Last month she signed with an e-application------ for some reason, without reading it through and realizing the collision coverage was declined.
She had an accident last week, and went to file a claim before a company agent informed her that she only had basic coverage.
She was stunned-- and the policy apparently shows that the collision block is declined. After explaining to the agent that there's no way she would decline collision, they have refused to release a recording of the initial conversation when she requested collision.
I will appreciate very much if anyone can tell me how she may obtain this recording, or any information that may help her.
I will very much appreciate any advice that you can offer.
My sister sought a competitive auto policy quote after receiving a letter offering a discount for alumni from her alma mater in the mail. She explained to the agent that she has had accidents in the past, and certainly wanted to include collision. The agent ran the quote, and when it was less than what she is currently paying, she was excited and asked him to forward the policy by email.
Last month she signed with an e-application------ for some reason, without reading it through and realizing the collision coverage was declined.
She had an accident last week, and went to file a claim before a company agent informed her that she only had basic coverage.
She was stunned-- and the policy apparently shows that the collision block is declined. After explaining to the agent that there's no way she would decline collision, they have refused to release a recording of the initial conversation when she requested collision.
I will appreciate very much if anyone can tell me how she may obtain this recording, or any information that may help her.
Posted: Sun Oct 16, 2011 03:45 pm Post Subject:
[quote]I will appreciate very much if anyone can tell me how she may obtain this recording, or any information that may help her.[.quote]She'd need to file suit. They are under no legal obligation to release their internal work documentation. If suit were filed it would probably need to be released under the discovery process.
No (1/2 was intelligent) company will every release info like this. There is simple no way that could help... it could only hurt them. It's a business decision.
To be honest, even with a recording I think your sister does not have a great case. She choose the coverage, she acknowledged that choice. The choice was... no collision coverage. Then she started paying on that coverage. It's a legally binding contract.
Posted: Sun Oct 16, 2011 04:00 pm Post Subject: thank you
Thank you for your thoughts-- I really appreciate the time you took to answer the question. I know it doesn't look good...just something that is so incredibly frustrating.
Posted: Sun Oct 16, 2011 07:42 pm Post Subject:
It can't hurt to try to file a complaint with the New Jersey Department or insurance:
http://www.state.nj.us/dobi/index.html
If the insurance company has record of the call, The NJ DOI may be able investigate, and if your sister requested Collision coverage, she may be able to have the damage to her car covered, even though she signed the e-app without it.
Posted: Sun Oct 16, 2011 07:44 pm Post Subject:
Oh, I assume your sister lives in NJ. If she lives in another state, she would want to contact her state department of insurance.
Add your comment