Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Nov 14, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Mattoon, IL

Asked on 11/14/2012

Am I liable for a car I told insurer not to cover but they kept on the policy for a half a year? We bought a new car and sold an old one. We informed our insurance company of this. More than half a year later, we found out that the new car was added to our coverage, but the old car was not dropped. Instead, coverage had been dropped on a third car we own. We were told "errors & omissions" would have covered the wrongly dropped car had anything happened. Would we have been liable for the old car, now owned by someone else, if it had been in an accident? We also were not given any refund for the time the wrong car was covered because "errors & omissions" would have covered it.

Answer given on December 12, 2012

If you advised your insurance agent or company to remove a car and to replace it with another, they should have done as requested. If there had been a loss on the car that was insured in error, you would not have been responsible, since you did not own the car.The insurance company needs to reinstate the insurance on the car they wrongly removed. They then need to take off the car in question. There may be no difference in the insurance costs once the error is corrected. However, if the car that should hav ebeen removed costs more to insure than the other one (maybe it is newer) then the insurance company must refund the difference in the premium.Errors and omission insurance would have most likely protected you regarding the car that was not properly insured had there been a loss. However, it would not apply to the car that was wrongly insured, since there would have been no monetary loss regarding it, other than the premium.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.