Q: I signed up for full coverage on my vehicle because I am financing it. I have proof that the policy was changed. Help??!
I signed up for full coverage insurance on my vehicle because I am financing it. I got into an accident and now they are saying I only have baseline coverage. But I have documents proving otherwise. What can I do?
A: I assume by "they", you mean your own insurance company. Either you purchased a policy with the full coverage, or you didn't - it's in black and white on your policy and declaration page documents. Your first step is to confront the insurance company representative with the language in your documents and ask what the problem is. Either you or they are incorrect on what's in there. If that doesn't clear it up, make an appointment with an attorney for a consultation (which may be done by phone and emailing, faxing, or mailing documents). The attorney will review the documents to determine who's right and can then address it with your company. If you're right, and the company still won't cooperate, you can sue for a determination of coverage and be awarded attorney's fees and costs. I doubt it will have to get that far.
Get a copy of the application for insurance and see what you actually applied for.
What documents do you have proving otherwise? You failed to mention exactly what you have.
Just as a heads up, there is no such thing as "full coverage." A lot of people throw that phrase around but it means nothing really. It has no actual definition. In this instance, hopefully you were not at-fault and can hire an attorney to pursue the at-fault party. If you were at-fault and failed to have collision coverage on your policy then the cost of repair or replacement is on you.
Regardless, I suggest you contact an attorney to at least review the documents you have claiming you applied and paid for collision coverage.
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