Have you heard of newspaper carriers having to carry commercial or extra insurance on their car?
Well we hadn’t, my son drives a 60 mile route throwing 100 to 150 plus rack papers every day and the day he drove the good car (2004 Blazer that we owe $10,000 on) fell asleep and wrecked on a gravel road (well the ditch actually) and the vehicle has around $9,000 worth of damage. Before the adjuster came to look, they denied our claim. I know stupidity isn’t a defense but neither the newspaper nor the local ins. co. told us that we needed extra coverage. How can a rinky dink paper rt. support commercial ins. on a couple of vehicles? We have been almost afraid to even drive our liability vehicles on it now. Progressive may be worse or pickier than other insurance companies? – I just don’t know what to do, the banker says sue. Or we could get a loan to fix the vehicle & owe $19,000 on an $11,000 vehicle or just tow it ito our yard & let it set.
They didn’t have a written application 6 years ago and at that time no one in our family was doing a paper route. Since that time we have just added and deleted vehicles and kids to our policy. And no I never read the full policy that comes in the mail.