Aurora, IL asked in Car Accidents and Insurance Defense for Illinois

Q: CarInsurance canceled all coverage

CarInsurance canceled all coverage

We had left on vacation on December and made sure to get full coverage on the van we drove,

We got full coverage and made sure to pay the amount.

When we returned, we got into a car accident, when we go home, we received all the checks with money that had been paid for the coverage of all the vehicles.

The insurance said the reason for this was because my daughters license was suspended, but her license was NOT suspended at the time we got the new insurance, we had just gotten the insurance AND her license was not suspended at the time because she actually has her CDL now.

The insurance is failing to return the insurance.

Can we fight this?

2 Lawyer Answers
Steve McCann
Steve McCann
  • Personal Injury Lawyer
  • Chicago, IL
  • Licensed in Illinois

A: It is certainly possible to fight this based on the limited information provided. However, the success of such a claim depends on very specific language in your policy, as you may not of adhered to noticing or other formal requirements. I would recommend organizing all information related to this situation, including your policy, and consult with an attorney individually to assess your options. Many of us offer free consultations, so it will not cost you anything to obtain a professional's opinion that is tailored to your specific situation.

Peter N. Munsing
Peter N. Munsing
  • Personal Injury Lawyer
  • Wyomissing, PA

A: Keep all documents.Daughter gets copy of record from DMV to show not suspended. I suggest she go in person, pay them, that's fasted. Get in the "to be copied and mailed" que from the phone and you can wait a month or more.

Note--if you have coverage often that covers the rental as well.

I'm assumiing she was driving. If not, it's a so what?

Not a material issue.

If it wasn't her fault, same--they can go subrogate against liable party, so should cover.

Also if not her fault she has a calim for her injuries. You have a claim for yours.

Contact a member of the Illinois Trial Lawyers Assn--they give free consults.

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