Q: Car insurance said that they will not be responsible to cover my at fault collision. Are they able to refuse?
They called me 4 days after I reported that I was in a collision and informing them that I was at fault. They said that they will cancel my policy and will not cover the accident because I did not report my 15 yr old brother as a household member and he was in the vehicle at the time of the collision. They said that because I did not report everyone in my household (my minor brother) the policy was never valid because of my error and now are not responsible for covering the accident. I do want to point out that payments were made and as made and insurance was Valid at the time of the accident. Is this true they are able to deny coverage and consider my policy invalid all this time?
A: YOU NEED TO MAKE AN APPT WITH A LOCAL PI LAWYER TO DISCUSS THE MERITS OF A BAD FAITH ACTION AGAINST THEM. HAVE YOUR POLICY READY FOR THE LAWYER TO READ.
INS CO'S WILL LOOK FOR ANY REASON TO NOT PAY AND CLAIM YOU LIED OR DID NOT DISCLOSE ALL NECESSARY INFO REQUESTED.
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