Very upsetting day today......my poor z =[

christian370z

So the insurance company has no responsibility in insuring you for the plan that you chose AND are paying for? It is the insurance company's duty to fulfill their end by providing the agreed services.

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MacCool

Yes, of course the insurance company has an obvious contractual obligation to provide the insured with the terms of the policy that he/she bought and paid for. I never said otherwise. They have NO obligation to be their customer's nanny and make sure he/she is buying the policy that their finance company requires. THAT requirement is between the car owner and the finance company. Two separate entities. The finance company sets forth the insurance requirements for the vehicle's driver, the insurance company is responsible only to the person paying for the policy. In Kayess' case, the point of contention is whether or not he actually bought the right policy that covers his damage. He says yes, the insurance company says no. The finance company doesn't care. Kayess is still obligated to pay for the car whether it's wet or dry.

As leinholder, the finance company can request that they get policy notifications, and they usually do. Usually. Sometimes they forget, and sometimes the insurance company forgets to forward the policy notifications to them. When the insurance company forgets, the leinholder will usually send a notice to the vehicle's driver to provide them with proof of insurance according to their requirements.

We're all responsible, mature adults, right? And as part of being a grown-up, we take responsibility for fulfilling all of our contractual obligations, right? Like our contractual obligation to keep the leinholder's vehicle insured?

kayess

*Quick update for people following this thread, again thanks for the support everyone!*

Last Friday we met with the investigator and provided the information they asked. I recorded the whole conversation as they did also. He stated that Progressive has no recollection of me having full coverage pretty much. We did our side of the battle and wanted an explanation on the email document, which they are clueless on still. They said they are going to get back to me once the report is completed. I did my part by having progressive fill out the insurance bureau complaint form for the state of VA, they were shocked to see i was aware of the bureau.

*Side note which may help me*
I found out that VDOT has opened their claim service for the people who were directly affected by the Reston Park and Ride Flood. They have not fully disclosed that they will honor any claims and suggest that its not their fault but will still have the claim assets and possible something is better then nothing.

Check the link below:
WAS YOUR VEHICLE DAMAGED AT THE RESTON PARK N RIDE?

I am currently perusing both insurance for their mistake and VDOT now, lets see what happens.

b1adesofcha0s

Good luck, hope everything works out for you

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SPOHN

Hate that it's taking this long. But I feel it's in your favor.

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onzedge

Hang in there, man.

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11Thumper

kayess, I really wish you the best in this matter.

I do feel MacCool has provided some good insight for everyone to consider. Based on what I've read (mind you, just what I read on my computer screen) it seems like you were under the impression that you had full coverage at the time of the incident, but perhaps that was not the case. If that plays out to be the actual circumstance surrounding your claim with the insurance company, you'll unfortunately suffer a substantial monetary loss as a result. A painful and unfortunate learning experience.

However, if fault lies with the insurance company and a mistake they made on their end (for example, dropping full coverage without your permission) you should be in a better position. The fact still remains that you (as the provider of insurance coverage for the vehicle) are responsible for ensuring full coverage is maintained until the title is released to you with no lien holder. If you received an updated declaration in the mail and failed to review it properly that is not an excuse the court will allow.

Since you have other vehicles on the same insurance policy...

Did you happen to call and make changes to the policy for one of the other vehicles? Could it have been a simple clerical error? Still, you're responsible for reviewing the changed policy.

In your most recent post you stated "Last Friday we met with the investigator". Who are "we"? Did you have a lawyer with you? If you honestly feel you're in the right then you need legal representation every step of the way on this. If found in your favor the insurance company will likely have to pay the legal fees you incur. However, if you lose the case the lawyer fees are sure to be on your dime.

Regardless, I wish you the best.

kayess

Sorry for missing information, "We" is: my sister, lawyer, and myself. I was given the assumption that i was fully cover by progressive, which is what i intended to purchase.

No changes were made, i asked if they could provide me the exact date and address the deceleration page was sent, they told me they need to pull that information up as they didn't have that on hand...Really? You're trying to investigate me without proper information for yourself? *Just a thought*

What stuck me odd today is that i received an email from progressive stating my insurance has dropped about roughly $30+ for my coverage on the Z.

I'm fully aware of the legal fees, i believe im being wronged by the company, when i ask for explanations, i get an around the bush answer.

And all the information MacCool has brought up has really taught me a lot regarding insurance companies and i agree with you 11Thumper.

Thanks, 370z forum member luck is stacking on my side

gurneyeagle

Sounds like you have things under control to the best of your ability. Also sounds like Progressive is beginning to squirm a bit too. That's always a good sign. I struggle with believing they don't have all their paperwork in hand.

Hang in there kid, we are all pulling for you.

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11Thumper

That's for sure!

Mt Tam I am

Years ago my 280Z was flooded. Took a final exam and retuned to a mess. I did not have insurance and tried to dry out the car myself. Long term was terrible. You are doing it correctly.

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Waiz

Just read the whole thread, best of luck OP!

PapoZalsa

I still say that the insurance and financial company drop the ball.

Hope everything is fix soon!

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11Thumper

Because?

PapoZalsa

Because if you have a good insurance company they willl take care of you, they know the coverage for a financed vehicle.

Just one example: I went overseas for 2 yrs, I had a car that still had a lienhold with a FCU. The car was going to be parked and garaged. My insurance company would not let me drop coverage or increase my deductible without the FCU authorization because they knew that a financed vehicle need to meet certain requirements for coverage.

Also anytime that I have changed deductible the insurance has notified the FCU and the FCU has sent me a letter if it doesn't meet the requirements.

That is having a good Insurance company!

__________________
2009 370Z MB Base w/Sport Package 6MT
Modshack's Custom Air Intakes /3M Clear Bra/ Illuminated Kick Plates / F. I CBE w/12" resonators / EVO-R Front Lip / Rear Hatch Wing / Tein S-Tech Springs /Ilegal Tint in the Rep. of VA/4x20mm Z1 Spacers/ Vinyl Roof/Liquid Carbon Designs