Q: Me and my family were involved in a car accident in which the other driver was at fault. But previous owner insurance.
The insurance was still on the vehicle from previous owner and they refuse coverage.
I'm sorry to hear about this situation. You need to look into other sources of recovery that may be available to you and your family. Additionally, you'll need an attorney to assist you because there might be liability coverage avilable elsewhere.
Please reach out for legal guidance from an experienced trial attorney.
The insurance company likely denied coverage because the other vehicle involved was at fault. Thus, you should attempt to recover any property damage or bodily injury claims from the at fault driver's liability insurer. However, as a general matter, the insurance on your vehicle runs with the vehicle. Thus, if the previous owner's insurance policy has medical payments coverage or collision coverage, then said coverages should still be paid out by your vehicle's insurer, regardless of fault.
However, there could be other reasons why your vehicle's insurer denied coverage. Usually the insurer will issue a letter stating the reason(s) why they are denying coverage. Therefore, review of that letter, if one was issued, will be a good starting point to understanding why the insurer denied coverage.
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