Who is responsible for repairing my car?
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UPDATED: Feb 28, 2012
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Insurance Question from Chicago, IL
Asked on 02/28/2012
Who is responsible for repairing my car? I had a accident (not my fault) and the insurance company dropped my claim b/c they found some information i didn't disclose when i got the policy. my car has been sitting in the shop since and incurring storage fees. Are they responsible? I had been paying my premiums on time every month and as soon as I have this accident, they drop me.
Answer given on March 03, 2012
Auto insurance is a contract between you and the insurance company. The application you complete includes information the insurance company uses to determine your risk to them and the rates they will charge. If you failed to disclose some information that came to light during the investigation of your claim, your insurance company can deny coverage and cancel your policy.If the accident was not your fault, you can try to go to the insurance company for the other party to have them pay for your claim. However, they will most likely not be willing to pay the storage charges that you are incurring, since they were not a part of the claim at that time. If you cannot go to the other insurance company then you need to talk to the repair shop to try to work something out with them. They probably will not release the car until they are paid the storage fees. You should also talk to the adjuster to see if you can work something out with them to settle the claim. If you have an insurance agent, speak with them to try to resolve this as quickly as possible.
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