startwinkle05:  Her coverage should have started as soon as she contacted her insurance company to obtain coverage or AT LEAST when she paid her premium. You need to fight this. If they sent an adjuster, they should have been prepared to pay. What insurance company was this?
2006-12-12 10:07:11

sharp32548:  If your policy was cancelled and your girlfriend made payment after the cancel date then you are screwed as far as your insurance company paying the claim, but seeing how somebody backed into you it seems they would be the one considered at fault, so since you have his info go ahead and file the claim with his company.
2006-12-12 10:23:03

parasitek93:  Ok here is what you do. First off, the rule in insurance is that the moment you give your premium payment to an insurance collector you are then covered. If your GF gave it to an agent personally, then they cannot fight the claim because your GF gave them the premium. Remember, you are covered the moment they receive the premium. If you mailed the premium in... you are in for a lil bit more of a fight. Since you have the other person's info call their Insurance Comp and have them deal with it. Usually its better to do that in a situation where its not your fault, so you dont have to spend the deductable out of pocket. As future advice, never get your vehicle fixed until AFTER you receive a check from the insurance company unless you A) NEED the car driveable NOW and B) can afford it. Good luck with your issue. Stick it to them!
2006-12-12 10:24:24

markmywordz:  Well you have to realize how suspicious your scenario sounds. What would have stopped you from getting into an accident with some damage and then going and buying insurance and making a claim AFTER the accident? Nothing. That's what the insurer thinks happened. Since you dont' have a police report to verify the time of the accident, you may need to get the other person you hit to try to estimate the time of the accident. Here's why.....when you first buy insurance and you pay the premium...the insurer writes you a document called a binder and paid receipt....its basically the paperwork you have when you leave the office. Your insurance is in force the very second you have that binder in your hand....NOT the next day. The truth is that the insurer thinks you are engaging in insurance fraud by claiming an accident on the same day you bought coverage. Unless you can prove otherwise....they are right. You will need the other party to prove you had the accident after you bought the coverage. If you can't, then you have no way to prove you are not trying to rip off your insurer and they won't pay...which means you'll have to pay the body shop.
2006-12-12 10:58:04

blb:  Did you pay the premium before or after the accident. Before, you have coverage, after, you have nothing. Good Luck
2006-12-12 12:55:36

Chris:  Sounds like you are screwed. Are you sure that they authorized repairs? If they were still investigating they could see your car but if you didn't get a check for the damages that really wasn't the ok to get it fixed. You can call up the chain of command, but unless they erred and you have proof that they told you to get it fixed you're going to have to pay for the damages.
2006-12-12 14:22:58

la428282:  Something sounds really off here.... i have a strange feeling that if we talked to the insurance company they would have a totally different story. I just dont see it possible (unless you used a small little horrible insurance company or something) that they would AUTHORIZE repairs to start with a finalized estimate and then just take it back. It just doesnt happen. Even if on accident an adjuster authorizes repairs and then realizes you dont have coverage- they arent just goign to take it back once theyve told you to begin- theyd be in a heap of trouble. I sense we arent getting the full story- are you sure they gave you a finalize estimate and told you to begin repairs? Did you do something worthy of them investigating coverage such as do a fraudalent claim and did they find evidence? And.. btw... coverage does NOT start the second they get your money- i hate people who answer crap and dont know what they are talking about. You pick the day your coverage begins and you can pay ahead at a time ahead of that date if you wish and that doesnt mean coverage has begun.
2006-12-12 14:28:33