zombirt:My wife purchased a vehicle on 9/10 and got in an accident on 9/15-when I called my insurance company I was told the car was never added(the sales agent told my wife he would take care of it)We did not have coverage so [the insurance company] refused to repair it.
If you already had a car insured that carried collision coverage, your policy should have covered newly acquired vehicles for the same coverage provided you asked the company to insure it within 30 days.
I don't know if a Michigan policy reads the same as my AZ policy, but here's what my AZ policy says:
- Section III - Physical Damage Coverages - Your Protection For Loss or Damage to Your Car
- Definitions - The definitions from Section I apply to Section III and the following definitions also apply:
- Then Item 9 on my policy: Owned auto means:
- We insure all private passenger, farm, utility autos and trailers owned or leased by you on the date of such acquisition and you request us to add it oto the policy within 30 days afterward.
See if you find something with all that in your policy.
Reporting a claim should be the equivalent of asking to add the vehicle.
On the other hand, if you didn't have collision coverage on the other car, that section would not apply.
zombirt: I was told by the attorney general's office
and the secretary of state that when a
dealership applies for a new plate and
registers a car they are supposed to show
proof that the vehicle has full
coverage-something the dealership did not do.
Yes?
And did they give you a statute number to look up and read? I doubt if they could even come up with one and I'd want to see the statute before I believed that was true.
zombirt: I feel it is the dealership's responsibility
to have it repaired since they failed to
report the car's insurance information when
they applied for the new license plate
Sorry, but until I read a statute that says that, all I can tell you is that the ultimate responsibility for having insurance on your car is yours.
