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

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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Waiting on the Z35! SOLD - 2011 Gun Metallic Touring 7AT w Sports Pkg & Nav, Nismo Bumper and Rims, RC Grille, RC Brake Ducts, H&R Spacers, Painted Door Hdls, GTR Start Button, Nav By-Pass, EVO R Fog Light, CF Ducktail, CF Interior Trim

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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