My question involves insurance law for the state of: Washington
Should my liability insurance cover the vehicle that is owned by a dealer??
My question involves insurance law for the state of: Washington
Should my liability insurance cover the vehicle that is owned by a dealer??
My question involves insurance law for the state of: Washington
Hello, a while back I have been involved in 2 car accidents that were within a week of each other. After the first accident, my main car was undrivable, so I was forced to look at other options. As I own a dealership, I decided it would be OK to drive one of the cars that I own under the dealership. I called my Insurance Agent and he told me it was fine.
When backing out of a parking lot, I was hit by another vehicle. I have no fault in the accident, and the lady that hit me gathered my information as I did hers and everything was fine. The vehicle was very lightly damaged, and was later sold even though the damage. 3 months later I was called by the collection center which impolitely told me they were billing me 3 thousand dollars for damage. When I asked what it was about and what the problem was I was promptly told to Shut Up. Extremely mad I was able to avoid being billed by them and called my insurance agent. After a short investigation it turns out the lady that hit me provided incorrect address and driver license number, and ALSO lied that I had no insurance to her Insurance company. Her insurance company did a diagnostic on her vehicle, found my SSN through my name, which is unique, and sent a bill to the collection center.
Now I am being bombed by a number of people telling me that I am a criminal and billing me several thousand dollars in damage that wasn't even my fault, and when attempting to explain the situation as I see it, nobody listens. As far as I can see my insurance agent is completely uncompetitive in this situation and he is completely lost.
Can somebody please tell me how to resolve my issue.
Read your policy and see what it says.
So we're essentially talking about your car, here, even if it is owned through your dealership.
You either were insured or you weren't. Presumably you gave your correct insurance information to the police after the accident, as well as to the insurance company that contacted you about the damage to her car, as well as following the requirements of your policy in terms of making a timely report of any accidents to them. How is your insurance agent being "completely uncompetitive"?Quoting gamebrigada
Right after the accident I went to my insurance agent and told him to file a report. He called somewhere and talked for a bit in spanish. Then told me to confirm that it is in fact me, and the lady on the other side asked me my name and confirmed it. Now I find out that my insurance agent never did file it, but her insurance company DID. My insurance agent lied to me, and now he is not answering any calls, and whenever I go to his office his secretaries always say that he is out. Not only that he has been telling me to call his company to do paperwork, and HIS company asked ME why I am calling and not the agent. I am doubting my agent is going to do ANYTHING else.
My insurance agent previously said that if the car is owned by a dealership, my liability insurance should cover it, But after the accident he said that if it is a vehicle that is owned by my dealership but not registered in the insurance, it will not be covered. Is this true?
How should I get out of this situation? I have completely stopped caring about my vehicle, its gone anyway, but under no circumstances will they make me pay several thousand for the vehicle and who knows how much for her health, she might as well blaim everything that is wrong with her on the accident.
First of all, I want to make things clear, UNDER NO CIRCUMSTANCES AM I AT FAULT. I completely pulled out of my parking spot, shifted into drive, and turned the steering wheel to turn out, when she went on the opposite lane into the wrong drive trying to pass me in a no passing zone. She completely underestimated her turn, because she only got half way passed my car when she turned hard right and gashed her own car. She told me that she saw my stop lights right before she attempted to pass me, which is correct, so I have no fault in the accident. Why are they even billing me even if my vehicle isn't insured.
I received a call about a week after the accident and they told me they will not bill me, and I thought that they found it was her fault and decided for us to pay for our own damages. How does having a vehicle not covered by your insurance make you at fault a month after?
My vehicles damage is easily repaired within a couple hundred dollars without a problem, so I am unable to call the police to conduct an investigation because I was told that they will not do anything unless I have several thousand dollars in damage, which I don't.
What can I do?