Comments on: What is the solution to our wrecked vehicle and insurance not paying? http://www.thecarinsurance.net/what-is-the-solution-to-our-wrecked-vehicle-and-insurance-not-paying.html car insurance Wed, 18 Jan 2012 20:13:58 +0000 hourly 1 http://wordpress.org/?v=3.0 By: blb http://www.thecarinsurance.net/what-is-the-solution-to-our-wrecked-vehicle-and-insurance-not-paying.html/comment-page-1#comment-12910 blb Sun, 30 May 2010 09:15:39 +0000 http://www.thecarinsurance.net/what-is-the-solution-to-our-wrecked-vehicle-and-insurance-not-paying.html#comment-12910 I have a progressive policy on my desk so I looked it up. It states in the policy in bold letters. EXCLUSIONS read the following carefully. If an exclusion applies, coverage will not be afforded under this part1 Coverage, including our duty to dedend, do es not apply to bodily injury or property damage arising out of the ownership, maintenance or use of a vehicle or trailer while being used to carry persons or property for compensation or a fee, including but not limited to, delivery of magazines, newspapers, food, or any other products. All Progressive applications ask the question if you use the vehicle for delivery purposes, you have to check yes or no and then initial next to the question. Progressive, unfortunately would not pay your claim. Other companies if they know you are using a vehicle for delivery purposes will also deny the claim. I have a progressive policy on my desk so I looked it up. It states in the policy in bold letters. EXCLUSIONS read the following carefully. If an exclusion applies, coverage will not be afforded under this part1

Coverage, including our duty to dedend, do es not apply to bodily injury or property damage arising out of the ownership, maintenance or use of a vehicle or trailer while being used to carry persons or property for compensation or a fee, including but not limited to, delivery of magazines, newspapers, food, or any other products.

All Progressive applications ask the question if you use the vehicle for delivery purposes, you have to check yes or no and then initial next to the question. Progressive, unfortunately would not pay your claim. Other companies if they know you are using a vehicle for delivery purposes will also deny the claim.

]]> By: la428282 http://www.thecarinsurance.net/what-is-the-solution-to-our-wrecked-vehicle-and-insurance-not-paying.html/comment-page-1#comment-12909 la428282 Sun, 30 May 2010 09:04:55 +0000 http://www.thecarinsurance.net/what-is-the-solution-to-our-wrecked-vehicle-and-insurance-not-paying.html#comment-12909 Oh lord... the classic blaming the company because of your mistake. i know for a FACT that before you can sign any policy with progressive they ask if yoru vehicle is used for business purposes- did you forget to mention the fact? Im sorry that you were naive and didnt know how insurance works but maybe instead of blaming the company you should have asked an agent when your son got a paper routh how this would affect his insurance.. the information is there if you ask... if you simply "assume".. well.. you end up in sitautions like this. I hope you learned a lesson. Oh lord… the classic blaming the company because of your mistake. i know for a FACT that before you can sign any policy with progressive they ask if yoru vehicle is used for business purposes- did you forget to mention the fact? Im sorry that you were naive and didnt know how insurance works but maybe instead of blaming the company you should have asked an agent when your son got a paper routh how this would affect his insurance.. the information is there if you ask… if you simply “assume”.. well.. you end up in sitautions like this. I hope you learned a lesson.

]]> By: fightingsaints http://www.thecarinsurance.net/what-is-the-solution-to-our-wrecked-vehicle-and-insurance-not-paying.html/comment-page-1#comment-12908 fightingsaints Sun, 30 May 2010 08:13:12 +0000 http://www.thecarinsurance.net/what-is-the-solution-to-our-wrecked-vehicle-and-insurance-not-paying.html#comment-12908 Using a personal vehicle in a commercial "for hire" situation can lead to a denied claim. That provision is in most personal auto policies and has been around forever. In my experience that "exclusion" is normally applied to liability damages. I don't recall it being used as much for an exclusion for not paying collision damages. I would suggest that if you haven't already received it that you ask your company for a written denial including a copy of the policy page where the exclusion they are using comes from. Once you have that then compare that to your copy of the policy. Review your policy and locate the section that covers your own vehicle (not the liability section) and read it carefully. There is a small chance that they are applying the exclusion incorrectly. The main reason that the "for hire" exclusion was put into policies was to reduce the risk of the company paying 3rd party liability claims. (your claim is a 1st party physical damage claim) You're in a tough spot but make sure you check this out completely before excepting the denial. Good Luck. Using a personal vehicle in a commercial “for hire” situation can lead to a denied claim. That provision is in most personal auto policies and has been around forever.

In my experience that “exclusion” is normally applied to liability damages. I don’t recall it being used as much for an exclusion for not paying collision damages.

I would suggest that if you haven’t already received it that you ask your company for a written denial including a copy of the policy page where the exclusion they are using comes from. Once you have that then compare that to your copy of the policy.

Review your policy and locate the section that covers your own vehicle (not the liability section) and read it carefully. There is a small chance that they are applying the exclusion incorrectly. The main reason that the “for hire” exclusion was put into policies was to reduce the risk of the company paying 3rd party liability claims. (your claim is a 1st party physical damage claim)

You’re in a tough spot but make sure you check this out completely before excepting the denial. Good Luck.

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