Is this right? I received a quote & purchased my auto ins. online. The next day not covered for a hit n run?

Question

I clicked the finalize payment transaction button and a message came on the screen that said i could not have a quote online due to my driving record. Ive had not one ticket or accident in over 12 years. And it already gave me a quote and an offer to purchase the policy.The next morning i called to ask what that message was all about and informed that my transaction hadnt been completed and they couldnt figure out why so i made the payment again on the phone right then. Meanwhile my husband drove the car and was hit by someone who fled. The insurance company sais theyve been waiting on a police report to see the exact time of the accident. because coverage starts when payment is received. Its been over a month with no car.And no one will tell me why my transaction was not finalized the night befor.

Answer 1

It's their company, they make the rules -- if they didn't issue you a policy number at time of payment then you are S.O.L.

Answer 2

Sue them for the damages.

They aren't getting back to you because you're covered and they're on the hook for the repairs.

Answer 3

Exactly, you needed a policy number and insurance papers with the date your insurance started.  If you have those, and the date your policy started was the same date as the police report, they would have to cover you.

But seriously, accident was the day before, driving without insurance, no police report....?  :-P