Columbus, OH asked in Insurance Defense, Intellectual Property and Consumer Law for Ohio

Q: My insurance policy ended on 9th. Later on in the day when I realized I purchased different insurance from geico online

45 mins. Later husband got off work and rear ended someone and now both insurances refuse to cover. Geico says there was 5 min. Difference in when I started which is not true. When I finished purchasing it said I was covered. When husband called and needed proof of insurance for cop I called geico and they said they'd email me card and to download app and would be there as well. They sent email saying welcome with id cards and that's when they are saying it was valid. So now have no way to pay for either vehicle. Two weeks later husband was in another accident and they are covering it. But when I went online to get policy number noticed they had changed dates on me and also said they were cancelling us on the 17th but haven't called or sent letter to inform us. Good thing I happened to get online and see or would have been in the dark on 17th without insurance. Wondering what we can do and if we even have a case or is it going to be waste of money to even try to settle this

1 Lawyer Answer
Bruce Martin Broyles
Bruce Martin Broyles
  • Lancaster, OH
  • Licensed in Ohio

A: You need to obtain the electronic mail to and from Gieco to determine whether policy was in effect. In addition, your previous insurance company may have continued the policy of insurance for a short period of time after the cancellation for non-payment.

If you cannot obtain the email information, you may want to contact a computer forensics expert. The email would have left an exact date and time that the email was transmitted from your computer.

However, the on-line application, may say that the binder merely locks in rates, and that the policy is not in effect until after Gieco and its underwriters have reviewed your application.

Once you obtain all the information, and assuming the information is favorable, you will need to file a declaratory judgment action to determine whether policy was in effect.

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