Q: Insurance company revoked my contract after a small accident, what can i do? More details below.
I had a small car accident a few weeks after getting car insurance. When i did the claim my insurance decided to revoke my contract and cancel my policy. Therefore making it seem like i was uninsured. Me and the other driver agreed for me to pay half of her deductible ($250) to settle it. But now her insurance is sending me a bill of over $9,000 and with the Dmv trying to suspend my license for being supposedly uninsured. I reported this to the Department of Insurances but I'm still waiting for the final decision.
Without seeing your insurance company's correspondence, your application, accident documentation, one can only guess what is happening here. It might be that the other driver wanted to be nice and handle the matter as a first-party claim, after which her carrier's subrogation department got involved and went after you for the loss. One can only speculate what the Department of Insurance is going to come back to you with in terms of a decision. If your policy was in effect, it should have been in effect for the accident. It's up to you, but you should consider setting up a consult with a California attorney. Good luck
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