need advice on my stolen car - ins. claim prob

SoCal · Jan 29, 2007

woke up this AM to find my 2004 Taurus stolen from my driveway in my very upscale neighborhood here in san diego. turns out when i called the insurance company, they have me listed for liability only. I asked for full coverage on the first call in mid 2005 when i bought the car.... and then didnt pay attention if they got it right. apparently they didn't. they were mailing my statements to an old address apparently and I never caught on. it's going to their investigations team for review, but i feel like i am screwed. yes, my responsibility to know what kind of coverage I have, but I can say for sure that i asked for comprehensive to include theft. anyone have any suggestions? i have to wait for this ins. co. to get back to me and meanwhile my 8k i financed appears to be in jeapordy here.

two major errors here... the INS co messing up my request for full coverage and my very hard to forgive error of not catching it.

police report filed and now waiting ...

~Falco~ · Jan 29, 2007

"i am screwed. yes, my responsibility to know what kind of coverage I have."

"But officer she looked 18" same defense. you're out out luck... don't bet anything tonite.

On the bright side Taurus suck. be glad its gone... check out some Beemers, used if you have to. Good luck with your new car get the right insurance

go2guy · Jan 29, 2007

To be honest bro, if you signed the documents stating you have liability then you're screwed unless you have them on tape purposely, maliciously lying to you. Good luck

Ironman_8 · Jan 29, 2007

go2guy said:
To be honest bro, if you signed the documents stating you have liability then you're screwed unless you have them on tape purposely, maliciously lying to you. Good luck

Exactly.

Hold up rewind here. You said you bought the car and insured it in '05?? If you only had liability, the people financing the car would have looked at that and said "Mr. SoCal, you have bought liability and we require full coverage in order to keep you in good standing with the car".

Trust me your financing company knows what insurance and how much coverage is on it. Something sounds fishy here.

SoCal · Jan 29, 2007

i think what happened was that I signed for comprehensive and that those orig. doc exisit in their system... but they contacted me week later asking me to stop at a local office for a car inspection. i went to a local office 2x on days they closed early and nvr got their "ok". i got busy, moved, changed numbers, etc all right around that time... and here it about 8 months later and I am f'd. if i have any recourse here, it would be that I signed an original doc for comprehensive and they took it away after i missed the in person "ok" they wanted to give. seems kind of cloudy to me. it's not right to just take away comprehensive without making a serious effort to contcat the client. if i had realized that was at stake, i would have of course made a third attempt to go to their office.

just glad it was an accident with injuries or soemthing of the like. i can chalk up 8k if i really have too... but damn...

TheFalls · Jan 29, 2007

Listen, you will probably be ok.
All agents carry E/O insurance for errors and omissions. It will be you job to prove that you had wanted "full" coverage insurance. If you carried "full" insurance with another ins. co before this one, you should be golden.
-This can typically be handled inhouse by a special group in the claims dept. Typically, they will be able to add all of your premiums you would have owed up to the point of the claim.

GL

SoCal · Jan 29, 2007

nothing fishy... i called the financing co. and they said they request docs sent in for proff of coverage, but they don't demand it. they were my third call after thios all happened to see what they had on file. they have nothing.

I am telling you that i signed for comprehensive... it makes no sense not too on a 1 yr old car with 20k on it and I specifically remember the phone call going over coverages. I am guessing that the missed inspection is what may have happened... speculating as to why it was dropped.

payments always made on time via auto debit, nvr missed a payment of course

go2guy · Jan 29, 2007

Ironman_8 said:
Exactly.

Hold up rewind here. You said you bought the car and insured it in '05?? If you only had liability, the people financing the car would have looked at that and said "Mr. SoCal, you have bought liability and we require full coverage in order to keep you in good standing with the car".

Trust me your financing company knows what insurance and how much coverage is on it. Something sounds fishy here.

What's up Iron? I've been trying to email you but my email is on the tilt. Right now on I'm on the phone with CONcast trying to get this str8. I'll get up with you man. This place needs IM!

go2guy · Jan 29, 2007

Ironman_8 said:
Exactly.

Hold up rewind here. You said you bought the car and insured it in '05?? If you only had liability, the people financing the car would have looked at that and said "Mr. SoCal, you have bought liability and we require full coverage in order to keep you in good standing with the car".

Trust me your financing company knows what insurance and how much coverage is on it. Something sounds fishy here.

Very true unless someone feel asleep at the wheel for a few years at your finance company.

SoCal · Jan 29, 2007

thnx for the reply Falls.. They will have my orig. request for full coverage on file for sure. if it dropped due to my negligence to stop by their office so they could give a visual ok.. well then that's on me ....or open for debate that they can just drop that kind of coverage like that

and once again... as for the financing co... i called them hoping they could save the day with evidence of my type of coverage... they had nothing and they went ahead and told me that they make a request for it, but they don't pursue their clients to get it. they show the coverage on the car from the place i purchased it from. which happened to be a car rental agency that does sales too.

go2guy · Jan 29, 2007

The Falls said:
Listen, you will probably be ok.
All agents carry E/O insurance for errors and omissions. It will be you job to prove that you had wanted "full" coverage insurance. If you carried "full" insurance with another ins. co before this one, you should be golden.
-This can typically be handled inhouse by a special group in the claims dept. Typically, they will be able to add all of your premiums you would have owed up to the point of the claim.

GL

How often than not do insurance companies make these consessions? Is it on a case by case basis?

And SoCal you are right since they're some financing companies, depending on where you are that don't hound you about coverages if it's a retail contract and rather sue or expect you to pay regardless of what happens to the car but lease contract most definitely are a different animal. So I hope it works out for you.

nhoj · Jan 29, 2007

Dude its a taurus be glad someone stole it you were about to sink a ton of cash into it.

SoCal · Jan 29, 2007

nhoj said:
Dude its a taurus be glad someone stole it you were about to sink a ton of cash into it.

i'm 6' 7", 275 lbs and it's an awesome fit. legs room, head room. car was fine. no problems. i will be buying a new taurus if this one doesn't boomerang back. if you are a larger person, u can relate. the world is not built for those of us over 6'5" and over 240lbs. just the way it is. taurus has great pick up, 6 cyl. with some pwr if needed. i don't need an F-1. I need wheels to be comfortable and cruise at 85 mph with no rattling

Kev · Jan 29, 2007

nhoj said:
Dude its a taurus be glad someone stole it you were about to sink a ton of cash into it.

So true.

If your a taurus buyer you can expect to buy a new one every 3.2788767 years or expect to pay repairs equal to the cost of a new one.

Presto · Jan 29, 2007

nhoj said:
Dude its a taurus be glad someone stole it you were about to sink a ton of cash into it.

Wow. That's real helpful. :103631605

sean1 · Jan 29, 2007

My plan would be this:

Send a letter certified mail, return receipt requested to the insurance company.

State that you believe you signed up for comprehensive and they do not.

Please forward a copy of my signed documents from when I set up my plan.

Thank you.

When you get the documents -

If they say comprehensive, you should be ok.

If not, you have a long hill to climb.

Sean

oldirtyku · Jan 29, 2007

I thought they record all phone conversations that deal with changing of policy to avoid this kind of issue.

Whenever, I change shit the peps are always like "We are going to record this converation. Do you object?"

Ironman_8 · Jan 29, 2007

oldirtyku said:
I thought they record all phone conversations that deal with changing of policy to avoid this kind of issue.

Whenever, I change shit the peps are always like "We are going to record this converation. Do you object?"

I've never heard of that. That sounds like some of the companies that have the 1-800 numbers that may do that. If you have Allstate, State farm or in my case Nationwide with the local agents they may not have the technology to record policy changes. But I do try to have them fax something over so that both parties understand the change.

TheFalls · Jan 30, 2007

I think Taurus' are only sold on a corporate level today-not to individuals.

The last thing an insurance co wants is a lawsuit. If they do not comply, you can begin to threaten with a suit. But this will not make much of a difference until you can get with the internal claims group that deals with the sticky stuff.

PO69 · Jan 30, 2007

THE MAIN thing here is that you DIDNT PAY for full coverage. Whether or not if was your mistake or theirs, your did not pay for full coverage.

need advice on my stolen car - ins. claim prob

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