I have been paying for full coverage car insurance since I bought my car 2 years ago. I was recently in an accident and went through an insurance claim with my insurance and they informed me that they have denied my claim because my car was a rebuilt car (which I was not even aware of). When I asked them what it matters that my car is rebuilt, they told me that they DON'T insure rebuilt cars. I have been paying them for 2 years for full coverage insurance on my car and now they are saying that they don't insure this car. I did not sign any documentation with them from day one and was not aware that they don't insure rebuilt cars or that my car what rebuilt. Now my car is damaged from the accident, uninsured, and I am out money for year of coverage that I paid them for. However, they are still sending me letters to renew my insurance policy with them. This is what I think is insurance fraud and I want to sue them. Do I have a case?
You must have low end insurance. This sounds like one of their usual tricks.
Ypu should report it to the Illinois department of Insurance.
You will need to hire an insurance coverage attorney. They are costly and it may not be worth it.
Sorry. But we see this abuse often.
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Consumer complaint Illinois Dept of Insurance: http://insurance.illinois.gov/Complaints/UnderstandComplaintProcess.html
If you get nowhere with the Department,
Contact an attorney who handles insurance bad faith claims and request an alternative fee arrangement (e.g., flat fee)
Sounds like a case to me. Have an attorney review the policy. I doubt they have the exclusion they claim in their policy.
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