I bought a car in Feb of 2011 to replace my old car on my insurance policy. I paid cash. I thought I called my agent to inform them so they could make the change to the policy but neither them nor I have any record of that. I continued to pay premiums on the old vehicle until I hit another car and my company denied the claim because they said the vehicle I bought was not on the policy. What have I been paying for? Do I have any recourse?
1 Answer from Attorneys
1. You may not have coverage for the car itself, BUT you should still have PIP and Liability.
2. Since you dont own the other car and since they could not be subject to that risk, they should refund your property damage coverage if any on the old car.
3. Your liability insurance should be in place too, except your cost of insurance on the new car may have been more and you could be billed for the diference.
4. Hire an attorney as you may need to file a declaratory judgment action against the in surance company.
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