Home Owners Insurance
Get Legal Help Today
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Home Owners Insurance
I just experienced a total loss in a house fire. There was a four wheeler in the
garage. Our agent came to our home to do an inspection and inquired about the
golf cart and harley davidson that were also in the garage but insured by another
company. Never mentioned the four wheeler. Now they are claiming we can not
claim the four wheeler. They said we needed a separate rider for that, but they
never told us that before we signed the policy. Do we have any recourse?
Asked on August 8, 2017 under Insurance Law, North Carolina
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 6 years ago | Contributor
No, you most likely do not have recourse, even if the agent did not specifically mention getting a rider for the 4-wheeler. Insurers do not always--in fact, generally do not--know what you have or own unless *you* tell them and inquire into whether you need additional coverage for it; the legal obligation and responsibility is on you to make sure you have the proper coverage (including riders as necessary) and is not on the insurer to tell you what coverage to get.
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.