by idofex » Wed Dec 05, 2007 12:38 pm
i wrecked my '96 4runner in july of this year, and subsequently sold it about a week later to someone for 500 bucks because it was obviously totaled. i thought i had picked the insurance plan with no comprehensive coverage (i hit a tree 4 wheeling in the middle of nowhere, no police report filed). i realized today that i am still paying the premiums four months later and was going to cancel it, but a quick look through my policy revealed that i actually have "actual cash value minus deductible" comprehensive coverage. i have a ton of pictures of it inside and out from after the accident, so i am wondering if the insurance company will take those pictures as an assessment since i no longer have the vehicle. i have nationwide, but i am a little weary of going about this because of all the horror stories i have read about them. i have a feeling that they are going to try to find any way they can to not pay me, though i am still paying them every month and have since the accident. i read through all the legal mumbo jumbo and the only things i can find about this situation are that i have to "notify them promptly" which is not to specific, and "permit them to inspect and appraise the damaged property before its repair or disposal". i am really hoping that they will pay me because i am out nearly ten thousand dollars of which i just finished paying off for the car, and i am and have been paying my premiums even after i lost the car. if anyone can offer advise or experience i would greatly appreciate it.
Posted: Wed Dec 05, 2007 12:59 pm Post Subject:
First of all hitting a tree while playing in the middle of no where is collision NOT comprehensive...sorry...if you have collision coverage let us know...but this hitting a tree wouldn't be considered comp....if however you did have coll.i seriously doubt they would consider a photo...to handle your claim. Although if the policy were in effect at the time of loss you ''technically'' had coverage...
Posted: Thu Dec 06, 2007 09:23 am Post Subject:
Right, if you have only the comprehensive coverage to your policy, nothing much can be done.
Posted: Thu Dec 06, 2007 09:39 am Post Subject:
Well I too doubt that Nationwide will entertain the claim, specially, when the title of the car is no longer with you.
Secondly, as the other posters have rightly mentioned, collisions with trees and rocks are covered under collision coverage and by the comprehensive component of the policy.
Just an additional piece of information, comprehensive coverage covers the damages caused in the accidents with animals (deer etc.).
Thanks
Posted: Fri Dec 07, 2007 04:17 am Post Subject:
So according to everyone here, the majority answer is No, probably not, but hey it don't hurt to try, more suprising things have happened right.
Posted: Sat Dec 08, 2007 01:05 am Post Subject:
yes i do have collision, thats what i meant, i have cash value minus deductible for collision
Posted: Sat Dec 08, 2007 11:26 am Post Subject:
Ok, then you had collision coverage at the time of loss...Your continuing to pay the premiums for the policy after you'd sold the vehicle is really no ones fault but your own (sorry). They ''may'' reimburse some of your premium. I would certainly request that.
As to your loss. I'd give it a whirl were I you, but sure wouldn't plan on getting anything. Has the new owner repaired the vehicle? If so I'd say you're probably out of luck. If on the other hand the vehicle is basically in the same shape it was when you wrecked it, and your company feels realllllllllllllllllllllllllllllllllllllllly geneorous they may consider your claim. I'll be honest with you though, were I supervising this claim, I would have the adjuster (after a statement) more than likely write up a denial. But hey, don't cost you anything to try! Let us know!
Just gotta ask, why didn't you turn this claim in when it happened?
Something else I might point out here real quick....all this reading of the policy you've been doing. These policys are all the same, and sent to all insured's that is no gaurantee that you have all the coverages listed in the little book...You need to look at your dec sheet/page, even your bill to make sure you had these coverages.
Add your comment