What is the name of your state? Calfornia
I lost control of my car and rear ended a parked car, which in turn hit a fire hydrant that caused water to spill/flow everywhere and cause damage to 2 homes. i had a brand new car worth $42,000 that is now totalled, and which i can no longer drive--sitting at my house.
when i called my insurance company they told me that they had cancelled my insurance 2 months before. prior to the cancellation, i had full coverage and did not know that it was cancelled because i am on my parent's policy and they recieve all of the letters from the company. anyhow, they did not know of the cancellation either.
the insurance company's reason for cancellation was because my mom did not sign a notice of exclusion, to exclude my younger sister from the policy (which she had never been on, but which my mom wanted to add her to). my mom made numerous calls to the company and even went into our local branch office to get advice on the exclusion form, but no one ever gave her a direct answer.
she recieved a cancellation letter, but did not realize it was a cancellation letter because there was no real reason on our part (such as non-payment of premium, accident, etc), of why our insurance was cancelled (we have had the same insurance for 15 years). additionally, my mom purchased a new vehicle during the time that our insurance was cancelled, and had no problems. we have 6 cars under this policy and none of the lien holders had been notified that the insurance was cancelled.
now i am being sued by the owner of the truck that i hit, and by the insurance company of the house i caused water damage to.
i have sent a certified letter to our insurance company with a copy of the summons and demand letters from the other insurance company, requesting that they defend me--i have not yet heard back from them.
is there anything else i can do? and is there anyway i can get my insurance company to pay for my car loss? or will i have to continue to pay for my car even though it is inoperable??
I lost control of my car and rear ended a parked car, which in turn hit a fire hydrant that caused water to spill/flow everywhere and cause damage to 2 homes. i had a brand new car worth $42,000 that is now totalled, and which i can no longer drive--sitting at my house.
when i called my insurance company they told me that they had cancelled my insurance 2 months before. prior to the cancellation, i had full coverage and did not know that it was cancelled because i am on my parent's policy and they recieve all of the letters from the company. anyhow, they did not know of the cancellation either.
the insurance company's reason for cancellation was because my mom did not sign a notice of exclusion, to exclude my younger sister from the policy (which she had never been on, but which my mom wanted to add her to). my mom made numerous calls to the company and even went into our local branch office to get advice on the exclusion form, but no one ever gave her a direct answer.
she recieved a cancellation letter, but did not realize it was a cancellation letter because there was no real reason on our part (such as non-payment of premium, accident, etc), of why our insurance was cancelled (we have had the same insurance for 15 years). additionally, my mom purchased a new vehicle during the time that our insurance was cancelled, and had no problems. we have 6 cars under this policy and none of the lien holders had been notified that the insurance was cancelled.
now i am being sued by the owner of the truck that i hit, and by the insurance company of the house i caused water damage to.
i have sent a certified letter to our insurance company with a copy of the summons and demand letters from the other insurance company, requesting that they defend me--i have not yet heard back from them.
is there anything else i can do? and is there anyway i can get my insurance company to pay for my car loss? or will i have to continue to pay for my car even though it is inoperable??