Was my insurance company required to cover a crash during the grace period?
My insurance company is refusing to pay when I had an accident. I was in the grace period—purchased the car 2 days prior.
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It sounds like the insurance company is refusing to pay and not giving reasons. Insurers must provide clear denial reasons; failure to do so after repeated requests could be bad faith (NAIC Unfair Claims Settlement Practices Act (Model #900)). You may be able to file a complaint with your state insurance regulator or pursue legal action, depending on your policy and why they’re refusing to pay.
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My insurance company is refusing to pay when I had an accident. I was in the grace period—purchased the car 2 days prior.
Lexi, Chatbot
I’m sorry to hear about your situation. Were you able to provide all the necessary documentation to support your claim?
Yes.
Lexi, Chatbot
Have you spoken with the insurance company about the specific reasons for their refusal to pay?
They refuse to give me an answer. After six attempts to get it resolved, a representative looked over my case and said I need a lawyer.
Lexi, Chatbot
Is there anything else the lawyer should know before I connect you?
Yes.
TJ, Esq.
Hello! I’m TJ, an attorney. Thanks for the opportunity to assist you. Are you available to chat now?
Yes.
TJ, Esq.
It sounds like the insurance company is refusing to pay and not giving reasons. Insurers must provide clear denial reasons; failure to do so after repeated requests could be bad faith (NAIC Unfair Claims Settlement Practices Act (Model #900)). You may be able to file a complaint with your state insurance regulator or pursue legal action, depending on your policy and why they’re refusing to pay.
TJ, Esq.
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