Legal Question in Insurance Law in California

car accident-no notice of cancellation

I got into a car crash with the other party at fault. My insurance is full coverage and i always pay it. I suddenly get into a crash and find out i have been cancelled and have no insurance. I never got 1 notice or phone call although they have my phone number. It was cancelled 3 days previous to the crash. I feel i have been cheated and now have no insurance and posibble repo of my wrecked car. they even filed a claim when i called, then they never called back until 5 days later asking my address and saying they are gonna investigate.. what do i do?


Asked on 10/14/04, 9:47 pm

2 Answers from Attorneys

Joel Selik www.SelikLaw.com

Re: car accident-no notice of cancellation

You ARE required to get notice. Certain letters should be sent by a lawyer right away.

Joel

JOEL SELIK

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We, therefore will take no action on your behalf unless a written retainer agreement is signed. There are strict deadlines, called statutes of limitation, within which claims or lawsuits must be filed. Therefore, if you do not retain SELIKLAW, you should immediately seek the services of another attorney or other advisor.

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Answered on 10/18/04, 10:12 pm
Armen Tashjian Law Offices of Armen M. Tashjian

Re: car accident-no notice of cancellation

Some insurance companies are notorious for such bad faith conduct. You should immediately get a lawyer and mount aggressive campaign so that your rights are not waived.

First, send everything in writing and keep copies. Second, if there is a phone conversation, write a letter memorializing the conversations, and keep copies. Third, file an immediate complaint with California Department of Insurance.

I am however curious, did you change your address and perhaps forget to let them know? Or, did you forget to pay your premiums?

If you would like to discuss this in more detail, give me a call (323)782-0099.

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Answered on 10/24/04, 9:33 pm


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