That does not happen often, but coverage errors do occur. Get an idea of what you can do if you think your car insurance provider has made a mistake.
Seriously, this could be a potential nightmare. You are a meticulous, responsible, defensive-minded person. You have successfully maintained your car insurance, never letting your coverage be missed. You've never been late paying. In addition, you've even had an accident or filed a claim.
Until now, it is. You experience a bit of attention as you approach the intersection and, well, your car is directly in front of you. Fortunately, no one was hurt and the damage to both vehicles was minimal. Still, this will require some expensive body work. No matter, you think, when you contact your insurance company to file a claim. Then it happened. The agent at the other end informs you that your vehicle is no longer listed in the policy and you are not covered! You know it's impossible. Insurance companies must be mistaken. You ask the agent to check again. Useless. Agents insist that you are not covered. What are you doing now?
Before the accident happened.
Let's start with the obvious. It is important that you fully understand what is covered by your car insurance policy before purchasing it. Read carefully and make sure to ask your insurance agent to explain anything you do not understand.
Once your policy is implemented, go again to make sure that there are no unexpected errors or gaps in coverage. If you encounter minor errors (such as misspelled names or addresses, or minor errors in model or model identification), you can usually solve problems with speed dialing to your agent or insurance company.
If the error is greater (something that can significantly change the scope or level of your payment), contact your dealer and arrange a face-to-face appointment. This is a problem you should soon solve, so do not delay it. Your insurance company needs to know the mistake once you do it. If the vehicle you think is covered is not, make sure you do not drive it, or let someone else do it, until the error is fixed. This is very important. Experiencing an accident while your confidentiality in doubt will, at the very least, cause a major headache and could lead to a much more serious problem. Which brings us to ...
If you have an accident.
As you might expect, resolving a potential error regarding your car's policy can become a bit sticky after an accident, especially if the accident causes major damage. Your first contact should be with your agent. You can call him, but be sure to include details of your dispute and any discussions you write in writing. If you can not achieve a satisfactory resolution at this time, it may be time to talk to an attorney. Make sure his lawyer clearly understands your specific disputes and why you believe the mistake was the insurance company's fault, not you.
If the dispute is related to the amount of money recovery, you may be able to hire your own appraiser against the insurance company number. However, you may have to undergo a mediation or arbitration process to resolve the dispute.
I do not need to say that life is full of mistakes. They will happen because, let's face it, we're all human. And believe it or not, it applies to people who work in your car insurance company too. The key is to eliminate or minimize the damage that the error can do, and the best way to do this is to catch it as early as possible.