On February 13, 2019, I was on my way to work when my 2017 Nissan Altima was struck by an uninsured motorist. I was headed North on a through street when the guy who was headed East ran through his stop sign and hit the front driver side of my car as I came through the intersection. He stopped to check on me before he proceeded to flee the scene, because of this I was able to get his license plate number. The police were called I gave them my info as well as his. That’s when I found out he didn't have insurance. Well my problem comes with MY INSURANCE, United Auto Insurance, denying my claim. Nov 2018, I had an accident in my 2005 Altima which got totaled out via my Insurance company, United Auto. Jan 12,2019 I’m at the dealership purchasing my new car, the 2017 Altima. I was told I couldn’t leave off the lot without insurance so I called U.A that same day to add the 2017 & drop the 2005. I received my email saying this was effective as of Jan 13. Well my claim for my recent accident with U.A was denied stating the payment I made in Jan was for December because I was a month behind. Which is not what my paper says AND I paid two different premiums. What should I do at this point?
Your proof of payment, policy, and damage estimates need to be reviewed. You may get considerable compensation with an attorney negotiating for you. Statistically, insurance companies pay far less to claimants without an attorney, if anything at all.
Sounds like standard bs from United Auto.
They mess with people all the time.
Here are your options:
spend lots of money on a lawyer to file a declaratory judgment (DJ) action against UA and somehow get a judge to order them to cover you. There are strict rules for how coverage is binding and you'd need to subpoena records to show the paper trail etc. Plan on spending $5,000-$10,000 easily. It is NOT a DIY project. Tough stuff. And they will fight like hell.
Pay for it out of your pocket.
This is a lesson for why you should never buy the cut rate insurance and why you should always purchase through a broker. Unfortunately, you are another victim of their scam.
You may be entitled to a remedy based on the facts provided, as United Auto often engages in similar tactics to deny coverage. That being the case, I recommend you organize everything in your possession that is relevant to this matter, including your policy and proof of payment/payment history, and consult with an attorney individually. Many of us offer free consultations, and will gladly review the details surrounding this matter and advise as to your options moving forward. I recommend acting quickly, as there are strict deadlines for such matters.
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