Hurricane, WV asked in Insurance Bad Faith, Car Accidents and Consumer Law for West Virginia

Q: Do insurance companies have to sell you full coverage insurance if there is a lein on the car(still owe money to a bank)

Was in an accident,filed a claim only to find out the insurance company said i only have liability insurance,there is a lein on the car.i never dreamed they wouldnt sell me full coverage with a lein

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

A: The lien company may require it but the insurance agent asks what you want, you may have said "the cheapest," and that's what you have. I'm not aware of any state that requires that you have collision coverage. Your bank would normally require it, but if you ask your agent for "full coverage" they are attuned to providing full liability coverage and may not have asked whether you wanted full first party protection.

But the lien company may have it so ask them.

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