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Hey /o/, are any of you well-versed with auto insurance laws?
I wrecked my car about a week ago, and it turns out my insurance put the car under liability instead of full coverage. It was under my mom's policy, and they'd told her that the car was covered with the same (full) coverage as her car. Problem is, I've been trying to contact them all week, and they've been very unresponsive. Also, there's still a lien on the car from the bank. Would it be recommended to lawyer up and try to take legal action against the insurance company if they keep being dodgy, or should I just cut my losses and fix the car out of pocket?
Tl;dr: Getting fucked by insurance, need help
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>>16115874
How much/what are the damages, and what value is the car?
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>>16115880
Blue book value is around $3,200
Pic related is damage. Pretty bad, but exclusively front end damage. Didn't really get any of the engine bay except the radiator and a couple pulleys.
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>>16115888
Shits totaled yo, its going to cost well excess of 3200 to have that fixed proper.
I would say get a lawyer, but you'll have so little left after paying his fee that it won't be worth it.
The lesson here is to read the fucking fine print on your insurance policy.
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>>16115896
That's part of the problem, we didn't have any official documents defining the coverage until... Today.
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>>16115874
That's a lot of dragon dildos
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>>16115904
You're either lying, or an idiot.
Those documents are issued at the time of buying a policy, or adding a vehicle and in the case of having online insurance would be view-able at anytime.
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>>16115920
It was over the phone, they mailed everything.
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Look at the bright side, at least you aren't an at fault driver with no collision coverage and a totalled car.
Thread posts: 9
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Thread images: 2