I went to buy some car insurance and I went to Wise Insurance
and there was nobody in there, except the lady who was selling insurance. I told her that I was there to buy liability insurance and uninsured motorist for the car I had just bought. I must’ve told her 5 times what I wanted just to be Clear. She told me that she got me an excellent deal, and I paid her and left with only paperwork for proof and no card. The very next day, a guy backed into my new car. He admitted fault and I contacted my insurance company and started the process of filing a claim with his insurance. After 3 months of phone conversations, I got a rejection letter from his insurance company, stating that I did not have liability insurance at the time of the accident.
I had my dad go directly to the local office to see what the problem was because I was out of town, and they finally told him that I actually did not have insurance until that day and time. He admitted that the girl who sold me my policy was new, and she had made a huge mistake. She had sold me an illegal policy, that was, Comp and Collision only. No liability, no full coverage, nothing but the c&c. Mind you, I told her 5 times that I wanted Liability and Uninsured Motorist. So now, they say they will fix it to where It showed that I had insurance now, and then, and they faxed the new policy over to State Farm, and of course, they denied it again because the date on the new policy was 3 months after the wreck. I had by this time gotten expectedly furious, and I asked the manager, Her manager, if she even Had a license to sell insurance. His reply was, “ Uh uh uh I don’t know.” So. At this point I begin to tell both of them, I want my car fixed or the money for the damages. I asked them who was paying for it. I never got any answer or settlement and I was forced to call the Insurance Commissioner’s Office and I filled a grievance against them. I randomly called them for information and I was told that they had reached out 3 times and they had not willingly turned in the information requested, and they were threatened with a fine if they did not comply, and last I heard, they did submit something. The car was eventually totaled, so now I would need a check for the claim. I still don’t have any resolution to this, and I’m probably going to seek legal advice and counsel. I tried contacting the owner of the place also, and I left a message with his secretary, and he never returned my phone calls. I feel as if they had nothing to hide, they would have turned over the information requested by the Commissioner’s Office with no problem. I am convinced that this girl was in that office, alone, selling insurance policies, and obviously was too ignorant to know that to have Comp and Collision, you still have to have liability insurance Atleast. I have never heard of anyone having Only Comp and Collision. This situation makes me lose faith in humanity, not realizing how dumb and crooked people really are. Eye Opener!! My question is do I have a legal case?
and there was nobody in there, except the lady who was selling insurance. I told her that I was there to buy liability insurance and uninsured motorist for the car I had just bought. I must’ve told her 5 times what I wanted just to be Clear. She told me that she got me an excellent deal, and I paid her and left with only paperwork for proof and no card. The very next day, a guy backed into my new car. He admitted fault and I contacted my insurance company and started the process of filing a claim with his insurance. After 3 months of phone conversations, I got a rejection letter from his insurance company, stating that I did not have liability insurance at the time of the accident.
I had my dad go directly to the local office to see what the problem was because I was out of town, and they finally told him that I actually did not have insurance until that day and time. He admitted that the girl who sold me my policy was new, and she had made a huge mistake. She had sold me an illegal policy, that was, Comp and Collision only. No liability, no full coverage, nothing but the c&c. Mind you, I told her 5 times that I wanted Liability and Uninsured Motorist. So now, they say they will fix it to where It showed that I had insurance now, and then, and they faxed the new policy over to State Farm, and of course, they denied it again because the date on the new policy was 3 months after the wreck. I had by this time gotten expectedly furious, and I asked the manager, Her manager, if she even Had a license to sell insurance. His reply was, “ Uh uh uh I don’t know.” So. At this point I begin to tell both of them, I want my car fixed or the money for the damages. I asked them who was paying for it. I never got any answer or settlement and I was forced to call the Insurance Commissioner’s Office and I filled a grievance against them. I randomly called them for information and I was told that they had reached out 3 times and they had not willingly turned in the information requested, and they were threatened with a fine if they did not comply, and last I heard, they did submit something. The car was eventually totaled, so now I would need a check for the claim. I still don’t have any resolution to this, and I’m probably going to seek legal advice and counsel. I tried contacting the owner of the place also, and I left a message with his secretary, and he never returned my phone calls. I feel as if they had nothing to hide, they would have turned over the information requested by the Commissioner’s Office with no problem. I am convinced that this girl was in that office, alone, selling insurance policies, and obviously was too ignorant to know that to have Comp and Collision, you still have to have liability insurance Atleast. I have never heard of anyone having Only Comp and Collision. This situation makes me lose faith in humanity, not realizing how dumb and crooked people really are. Eye Opener!! My question is do I have a legal case?