Insurance company didnt put out full coverage on my car as required by NYS it has a loan on it. Is there anything I can do?

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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...

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UPDATED: Jan 23, 2016

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Insurance Question from Clarence, NY

Asked on 01/23/2016

Insurance company didnt put out full coverage on my car as required by NYS it has a loan on it. Is there anything I can do? My state requires all cars that have a loan on them to have full coverage. My insurance company knew this and did not put it on and will not help with any repairs. Is there anything that can be done about this?

Answer given on January 24, 2016

While each state is different in handling insurance laws, most states require liability coverage for any owner of a vehicle. The liability limits vary by state, but the insurance agents should know the minimum amount of liability.For physical damage insurance such as comprehensive and collision, the policyholder is the one to determine whether they want that coverage and what deductibles are wanted. When you purchased the insurance you should have discussed this coverage with the agent or insurance company. If a lender is shown on the policy it would seem the agent would have offered comprehensive and collision. It also seems that the lender would have received a copy of the insurance policy and seen the proper insurance was not there. However, it is ultimately your responsibility to review the policy and coverages. Unless the policy is very new, it is unlikely the insurance company will assist in fixing this oversight. If it is only a month or so, they may be willing to backdate the coverage and you pay the additional premium for the additional insurance coverage.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of 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 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 to represent you.

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