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Question

My nephew's girlfriend applied for auto ins policy online and obtained a 6mo TX policy effective 10/5 paid monthly via bank draft. Her 2002 Honda Accord was totaled by a guy driving a bob-tail truck on 10/31 who had no insurance. It was his fault. The policy she bought had uninsured coverage. She reported the claim on 11/2 (monday after the saturday accident). She then received a rescission notice that the bank draft was denied due to an incorrect routing number. Had the routing number error been reported earlier, the draft would have cleared. What remedies do have? My nephews cousin had the same thing happen to him with the same company (Progressive County Mutual) but he had no accident. They corrected the routing number and made his coverage effective all the way back to the original date appled for.

Submitted: 18 days and 9 hours ago.
Category: Legal
Value: $28
Status: CLOSED
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State/Country relating to Question: Texas

Already Tried:
Nothing.

Accepted Answer

She would need to address this problem with the head of that insurance company. She should present documentation from the bank showing fault and should also request copies of her paperwork to see who made the mistake with regards to the routing number. If the issue is not resolved, she can file suit against the insurance company and let the court decide responsibility. She would need to show that she provided all accurate information and either the bank or the insurance agent made the mistake and that she should not be without coverage due to their mistake.




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Expert: LawNinvest
Pos. Feedback: 99.5 %
Accepts: 
Answered: 11/4/2009

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