So insurance doesnt want to pay after an hour of payment

[Hatemy7]

Well long story short.

My girl got in a car wreck an HOUR after she made her monthly payment.

last week.

Today they tell us that they wont pay for anything.

is there anything that we can do?

please let me know asap

Thanks

[drift freaq]

you mean she got in an accident an hour after she started new coverage. If she had a renewed policy it would not be an issue if she was already paying monthly it would not be an issue.

Technically you are covered from when your Policy officially starts. Now If she had to make a payment to start the policy and she did not get confirmation of the start time? then ya she is out of luck. Plus in a case like this it looks somewhat fraudulent. Not saying it is but look at it from their perspective. Person gets insurance and immediately runs out and gets in an at fault accident to collect the cash.

Like I said earlier if it was just the regular monthly payment and she had just paid it there should be no issue. Either she is not telling you everything or your not telling us everything something is fishy though.

[Hatemy7]

you mean she got in an accident an hour after she started new coverage. If she had a renewed policy it would not be an issue if she was already paying monthly it would not be an issue.

Technically you are covered from when your Policy officially starts. Now If she had to make a payment to start the policy and she did not get confirmation of the start time? then ya she is out of luck. Plus in a case like this it looks somewhat fraudulent. Not saying it is but look at it from their perspective. Person gets insurance and immediately runs out and gets in an at fault accident to collect the cash.

Like I said earlier if it was just the regular monthly payment and she had just paid it there should be no issue. Either she is not telling you everything or your not telling us everything something is fishy though.


You're correct, she hit someone after an hour of making a payment.

I am literally telling you everything.

She is a nerd lol I'm the one who isnt an angel lol.

so yeah I think getting an attorney will be the next step

[drift freaq]

You're correct, she hit someone after an hour of making a payment.

I am literally telling you everything.

She is a nerd lol I'm the one who isnt an angel lol.

so yeah I think getting an attorney will be the next step

and it was not a new policy? if so its a damn shady insurance company.

[Hatemy7]

Actually sorry for the misrepresdented info.

Well after I got home I asked her more ?

and she said that she was actually behind on her payments but paid the balance that she owed

[silverarrow27]

It would be nice to know the insurance company name.

[Phlip]

If she was behind on her payment to the point where her coverage had lapsed and she paid to bring it back up, then the insurance company is not on the hook for anything until they receive a “Statement of no loss” which tells them that you didn’t wreck while you weren’t covered.
Otherwise, they could treat this as fraudulent.

Is there some kind of police report corroborating her story that the wreck did in fact take place after she made that payment to get it back right?

[Hatemy7]

It would be nice to know the insurance company name.

its a small company here in chicago.

cant remember the name of the company at the moment. I texted her but she just got out of a 16hr shift ( RN )


If she was behind on her payment to the point where her coverage had lapsed and she paid to bring it back up, then the insurance company is not on the hook for anything until they receive a “Statement of no loss” which tells them that you didn’t wreck while you weren’t covered.
Otherwise, they could treat this as fraudulent.

Is there some kind of police report corroborating her story that the wreck did in fact take place after she made that payment to get it back right?


Police report says it was an hour an 14 minutes after she made payment.

[h2v7]

i had the same thing happen with the general was late on payments made a new payment and got in accident few hours after i made late payment.

long story short i got screwed and wasnt technically covered

[Hatemy7]

wow that sucks

[double zero]

bummer!!!!!!!!!