I have insurance but now my insurance company said they wont cover my car wreck?

Question

ok... i rear ended someone, (accidents happen, i never want to have any) and i have insurance. however, the insurance company said they wont cover anything now because i'm on the excluded list. my husband put my name on the excluded list back when i didnt have a driver's license. and both of us remember when i got my learner's permit, he took my name off that list, our insurance company kept saying that my name didnt get removed. now my friends and co workers told me to hire a lawyer and sue the insurance company, but what if we dont win? we will end up paying the lawyer and who knows how much money the person that i hit wants??? btw, our insurance company is nation wide, and i dont think they are on my side...

Answer 1

i remember when i said i would never speed.trust me it only lasted a year and then i got my motorcycle license.now i cant keep it under 100.its your fault because you hit the guy.the same wreck happened to me.

Answer 2

Nationwide is on their own side.

My wife and 2 daughters were in our minivan and got rear ended by somebody with Nationwide.

It was a clear case of negligence, my wife was waiting to turn left and the other driver just slammed into them.

According to Nationwide all the injuries were preexisting and we had to file a lawsuit.

They even tried to s***w us out of a big part of the settlement. They never sent us the final check. We only found out about it when we got a notice of unclaimed funds.

They were hoping we wouldn't get the last $12,000.

You should talk to a lawyer. You don't pay unless you win.

Answer 3

Does not really matter what the insurance card says.

What you need to look at is the "Dec Page".  Each year when you got a renewal notice - it usually includes a copy of the Dec Page. The dec page shows each car listed, the coverage for that car and the drivers listed on the policy.  It may even show the excluded drivers list.  

So, pull all your past renewal notices and look at the dec page and see what it says.

Your are saying that your status as excluded driver was changed-- the insurance company will pull all the prior renewal's and say "yet you got all these renewals since then showing that she was not a listed driver on the policy and never did anything about it"

And - saying "yes but I did not read the renewal b/c no one does" is not a defense.

Your best bet is to go and meet with your insurance agent. (No phone call --- get up and go to the agents office- you can call ahead and make an appointment if you want to but not required).  Your agent is there to help you in these situations. The agent will have access to any past DEC pages/renewals.  When your status was changed -- did your husband sign a change form? Does the agent remember your husband calling and asking to have your status changed?

Before you do anything else-- go meet with your agent.  The agent will probably tell  you that he/she has to look into the matter and get back to you. Believe me, the agent will call the adjuster, review the forms, get a good explanation of the reason for the denial - possibly talk to management in the claims and sales departments.  If it's an honest over site by the insurance company - the agent is a big part of getting that straightened out.

Answer 4

You need to look a Nationwide agent in the eye and show him that insurance card with your name on it. (No phone calls, no written correspondence.  You need to actually talk face to face with the agent.   If that doesn't work and you are sure you took your name off of the excluded list, instead of hiring a lawyer at this point (you can always do that), file a complaint with your States Insurance commissioner and/or Your states consumer protection office.   Let the injured party know what you are doing so they have some patience

Answer 5

Not sure what state you are in.

But in Texas if you rear end someone you are automatically at fault.

  Did your husband , put this change in writing?

  Did he get a new insurance card after the change , ( not a renewal card )

You should be able to go to Nationwides website , and they will have all the changes on your account , if any , and you can print these.

If you don"t have anything in writing it would be hard to prove you had insurance.

If you can't pay , they will have to take you to small claims court , In Texas they can't garnish your wages for this. But if you get a judgement on this it will stay on your credit report for 10 yrs in Texas.

It is a little harder now , but you can still file personal bankrupcty in Texas, this will also stay on your record for 10 yrs in Texas.

You can try to make payment arrangements with them , but if they are crying pain , I don't think you will have any luck going this route , sounds like they want all the money they can get from you.

Good luck, you will need this, dealing with any insurance company in any state.

Answer 6

If you're on the excluded list you don't have coverage. Unless you can prove that you requested to be taken off of that list you don't have much to go on.  However, you could hire an attorney and try to have him to go after them, but if he fails you'll just end up paying even more.  Some however have a no-win-no-pay scheme so you could look for some like that in the phone book.

Otherwise, you might be better off to contact the person you hit, politely explain the situation to them, and ask if you can work something out.  The repairs will be cheaper if you go to a shop other than the one the insurance company requres - may mom & pop shops are much much cheaper than the big shops that have deals with the insurance company.  If you're nice and reasonable about it the other person will at least listen.

Answer 7

unless you have proof you requested to be taken off the exclusion, you won't win a lawsuit, you will be wasting your money.  you are better off trying to pay the guy out of pocket.  insurance agencies note every conversation that comes into their offices. (if they are smart anyway)  they do it for just these reasons.

Answer 8

I think it would be hard to prove your dad had you taken off the list.

If his rates went up like they should have when you were on the list would be the only proof you would have.

Did your dads insurance rates go up since he had you on his policy?

You know I'm not sure your insurance company know what "liability" means if they don't cover you.

You have to have liability, no matter who drives the car.

This would include you, even if you were on the excluded list.

The excluded list is irrelevant in this case.

I'm assuming its your dads car and he would have to have a minimum of liability insurance for it to be on the road.

A stranger could borrow the car and be covered.