College Student Being Rail Roaded

Moefaz · #1 02-08-2005, 11:57 PM

What is the name of your state? NY
My name is Fazlul Karim and I am a struggling college student that works part time and attends school full time. I was given coverage from Allstate Insurance in Silver Springs Maryland and was content with the level of service I received from them until the car was in an accident. Once the local broker found out the car was in an accident they informed me that I never actually Had an insurance policy and that I was driving without insurance. To make things worse I actually was not the driver. The interesting part of this story is the driver that caused the accident was also insured by Allstate and the police report states that she ran the red light. When I tried to get some answers from the claims adjuster he constantly delivers a barrage of legal terms and never returns phone calls. To add fuel to the flame no lawyer will help because i was not injured and I am still stuck in Brooklyn PLEASE HELP A HARDWORKING COLLEGE KID THAT IS GETTING RAILROADED !!!!!!!!!!!! email [email]Moefaz@yahoo.com[/email] if anyone has any answers thanx!

AnswerMeNOW · #2 02-09-2005, 05:35 AM

Nobody on this site "does email."

Don't you have a paid bill to prove you were insured for that period of time? Most insurance companies offer installment payment plans. Did you possibly participate that way?

If you have the paperwork to prove you had insurance with them at that time, then you need to produce it, make copies and send them to the insurance company and the adjuster handling the issue (certified mail, if you can).

teflon_jones · #3 02-09-2005, 06:12 AM

Do you have any proof that you did in fact have a policy with Allstate?
Was the other driver cited by the police for the accident? If they ran a red light, then it's most likely 100% their fault.

Have you filed a claim on the other driver's policy with Allstate? If you have, you need to send a Certified Registered Return Receipt (CRRR) letter to Allstate asking the status of your claim. Phone calls do no good. You need to do everything in writing, CRRR.

Lynx 36 · #4 02-09-2005, 07:45 AM

Quote:

Originally Posted by teflon_jones

Do you have any proof that you did in fact have a policy with Allstate?
Was the other driver cited by the police for the accident? If they ran a red light, then it's most likely 100% their fault.

Have you filed a claim on the other driver's policy with Allstate? If you have, you need to send a Certified Registered Return Receipt (CRRR) letter to Allstate asking the status of your claim. Phone calls do no good. You need to do everything in writing, CRRR.

The drivers policy wouldn't cover it either. Insurance follows the car, not the driver. I've denied lot's of claims similar to this one. He needs proof he had a policy. Returned check or a document from the bank would confirm it.

It sounds like we're missing some of the story here. The adjustor is probably blowing him off as the reason he was denied has already been explained to him. They always send a letter out too explaining why he was denied. Adjustors are busy they don't have time to keep argueing the same thing over and over again w/ somebody.

So poster, what was the reason the adjustor gave you as to why your claim was denied? You left that key piece of info. out. Was it b/c you never had a policy w/ them? If you did, do you have proof? Was it cancelled, missed payment, or are they just saying you never had a policy w/ them?

If what you say below is true then they are right to deny your claim. You have to have a policy w/ an insurance co. before they will cover you.

Moefaz · #5 02-14-2005, 02:32 PM

The reason why I was denied for the policy is that when I tried to start the policy I still had a license from New York state. She said as long i supply the appropriate documentation within a few weeks time it will be no problem. So she started the policy with my new york license and I supplied her with the neccessary documentation which was a cable bill and a bank statement. I do have a whole print out from of desigantated dates that I was supposed to pay insurance and I have receipts from this office for three payments of insurance which were current during the accident. Another question is it possible that they can suspend my license because of this ?....Thanks alot for the insight people.

Lynx 36 · #6 02-14-2005, 03:29 PM

Quote:

Originally Posted by Moefaz

The reason why I was denied for the policy is that when I tried to start the policy I still had a license from New York state. She said as long i supply the appropriate documentation within a few weeks time it will be no problem. So she started the policy with my new york license and I supplied her with the neccessary documentation which was a cable bill and a bank statement. I do have a whole print out from of desigantated dates that I was supposed to pay insurance and I have receipts from this office for three payments of insurance which were current during the accident. Another question is it possible that they can suspend my license because of this ?....Thanks alot for the insight people.

They can suspend your license if they feel you had no insurance. From your post here it appears you had insurance as you made 3 payments. I'm still not clear as to why they specifically denied you. What did Allstate actually give you as a reason f/ denying the claim?

Moefaz · #7 02-15-2005, 01:59 PM

The specific reason why they denied me was because I initially started the policy with a New York State License in a Maryland broker but the agent said it would be no problem and this is the only reason why I continued with the action. I was given a print out of dates that I was supposed to pay for my premium and even an agreement. Only when I reported the accident is when I was finally informed I had no Insurance. I presented the same documents to the MVA and was allowed to title the car. The claims adjuster stated over the phone that Allstate will come after me because I "had no insurance"

teflon_jones · #8 02-16-2005, 07:53 AM

I'd ask them what you were paying for with your three payments if you didn't have an insurance policy with them.

teflon_jones · #9 02-16-2005, 07:57 AM

Quote:

Originally Posted by Lynx 36

The drivers policy wouldn't cover it either. Insurance follows the car, not the driver. I've denied lot's of claims similar to this one. He needs proof he had a policy. Returned check or a document from the bank would confirm it.

It sounds like we're missing some of the story here.

Yeah, I re-read the first post and it's very confusing.

Were you a passenger in the car that ran the red light, or were you a passenger in a car that was hit by the person running the red light?

In either case, your policy wouldn't cover this. The policy of the driver at fault is who you should be submitting this too. Your problems with your Allstate policy are a separate issue.

Lynx 36 · #10 02-16-2005, 08:52 AM

After re-reading the post I'm confused too. If he was a passenger in a car then Allstate would not be involved here. Who knows, the original post is very choppy and incomplete.

Moefaz · #11 02-17-2005, 02:14 PM

I actually was not a passenger in either I lent the car to my x-girlfriend and she was driving. She was struck by the driver who ran the light. My issue is with the lady who ran the light and her insurance not wanting to pay out even though the report states that she ran the light. The adjuster is now stating Allstate may come after me because I owned the car and that I had no insurance which is unfair because I was lead to believe I did. So you are saying that I should continue to pursue payment from the lady who ran the light, insurance company?

Lynx 36 · #12 02-17-2005, 02:24 PM

Quote:

Originally Posted by Moefaz

I actually was not a passenger in either I lent the car to my x-girlfriend and she was driving. She was struck by the driver who ran the light. My issue is with the lady who ran the light and her insurance not wanting to pay out even though the report states that she ran the light. The adjuster is now stating Allstate may come after me because I owned the car and that I had no insurance which is unfair because I was lead to believe I did. So you are saying that I should continue to pursue payment from the lady who ran the light, insurance company?

Since you didn't have insurance then you have to fight this battle yourself. If your girlfriend was not at fault in the accident then it would be hard f/ Allstate to win a lawsuit against you. But f/ you to collect the damages to your car you will have to pursue legal action against the driver that ran the red light. I don't know the $ amount of the damages to your car but you need to find out what the limits are in small claims court f/ the state of NY. You can find this out by calling the county clerk where you reside. If you are able to file a small claims charge you must do it in the county the accident occurred in. You can also do this w/o the help from a lawyer, and filing fees aren't very much. If the dollar amount is above small claims I would advise you to get a lawyer unless you know how to navigate the legal system.

Next time keep that car off the rd until you get insurance. If this accident would happen to be your girlfriends fault then you could end up paying a lot of expenses out of your own pocket. Your future earnings can be garnished, license suspended, lawsuits, etc. It's not a pretty picture if you know what I mean. It sounds like Allstate is denying the claim as they may not think you will fight them on this as you have no insurance co. to battle on your behalf.