Legal Question in Insurance Law in California

Was i covered?

Purchased brand new MC on 5/4/07 and added it to existing MC Policy. On 6/26/07 I spoke with Ins. Co. and informed new MC added to policy. On 7/7/07 had accident. On 7/11/07 Ins. Co. notified of accident. On 7/23/07 I was notified by Ins. Co. my policy had been cancelled 7/3/07 for my failure to send in photo's of brand new MC. I received no notice from Ins. Co, not was I ever called and notified. Was I covered?


Asked on 7/23/07, 4:34 pm

2 Answers from Attorneys
Steven Murray Steven W. Murray, APC

Re: Was i covered?

Maybe. Is this a standard personal auto policy, or a commercial trucking/garage policy? (Does MC mean motorized carrier? If not,what does it mean? If personal auto, 30 days is allowed to notify the insurer. You wrote you "added it to existing MC policy." HOw - what did you do, because then it wasn't necessary for you to call on 6/26 to inform them if you already had done it.

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Answered on 8/08/07, 8:01 pm
Steven Murray Steven W. Murray, APC

Re: Was i covered?

Maybe. Is this a standard personal auto policy, or a commercial trucking/garage policy? (Does MC mean motorized carrier? If not,what does it mean? If personal auto, 30 days is allowed to notify the insurer. You wrote you "added it to existing MC policy." HOw - what did you do, because then it wasn't necessary for you to call on 6/26 to inform them if you already had done it.

Someone would have to read the policy language to tell you if coverage exists since you say you did not receive any notice.

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Answered on 8/08/07, 8:02 pm


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