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

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?