FreedomFighter86
Member
What kind of recourse do i have when i believe my insurance agent mislead me about state law to get me to add coverage i never needed or wanted?
My agent(s) told me i needed FIRE AND THEFT COVERAGE (LAYOVER COVERAGE) to meet Ohio state law, OHIO FINANCIAL RESPONSIBILITY LAW. Which is untrue as the state law mentions not once requiring FIRE AND THEFT COVERAGE. We maintained (LAYOVER COVERAGE - FIRE AND THEFT COVERAGE) only because the agent implied it was required by state law. I contacted BMV of Ohio and was told if i was randomly selected to prove insurance coverage per OHIO FINANCIAL RESPONSIBILITY LAW, that FIRE AND THEFT COVERAGE would NOT meet the state law requirements and could be subject to suspension(s) and fines and fees etc.
My agent(s) told me i needed FIRE AND THEFT COVERAGE (LAYOVER COVERAGE) to meet Ohio state law, OHIO FINANCIAL RESPONSIBILITY LAW. Which is untrue as the state law mentions not once requiring FIRE AND THEFT COVERAGE. We maintained (LAYOVER COVERAGE - FIRE AND THEFT COVERAGE) only because the agent implied it was required by state law. I contacted BMV of Ohio and was told if i was randomly selected to prove insurance coverage per OHIO FINANCIAL RESPONSIBILITY LAW, that FIRE AND THEFT COVERAGE would NOT meet the state law requirements and could be subject to suspension(s) and fines and fees etc.