On December 26 2018 i was involved in a car accident it was a late monday night 8p.m. I called my insurance company asap to let them know (United Equitable Insurance) . i filed my claim. Finally it was able to get it to the body shop after paying to get my a vehicle release from from the police department. I did as follows. I filled police report anx emailed them all the documents they asked for. Paid 75 to get my things out the car. Finally my car was took to the body shop the insurance work witj. Jr auto body shop located in riverdale illinois. Not once did the insurance company contact me. January 11 2019 after calling every other day. Id be on hold 10 minutes at a time to get sent to voicemail leaving a message and getting no call back. January 11 coms i calles finally get through. They claim to have sent me mail i never recied so they emailes me with the wrong date saying that my car was considered a total loss. Weeks later after calling wvery other day to check status they say they sent me another letter saying my claim was denied for e reasons. 1 failure to disclose a violation of speeding in 2016 and the same day an accident that came with the ticket. I never was insures with them at the time to have to twll them that i was with another insurance company. Moving forward they denied my claim for not diaclosing that information. They never once lookes up my mvr to see what kind of driver i was thats standard protocal for insurance company from my knowledge. Know here i am cannot find an appeal letter on their website cant get through to them bcause no one amswers the phone. I have no car still paying on a car i nolonger have. Im looking for a lawyer. Ive complaines on the department of illinois of imsurance witj the attorney general.
Robert
Irvine,#2Consumer Comment
Wed, January 23, 2019
I filed my claim. Finally it was able to get it to the body shop after paying to get my a vehicle release from from the police department.
- There is something that seems to be missing about THIS accident as well. As why would a regular accident require a release from the police department? Not only that why would you need to pay $75 to get your personal belongings out? Did you receive any tickets or charges because of this accident?
They say they sent me another letter saying my claim was denied for e reasons. 1 failure to disclose a violation of speeding in 2016 and the same day an accident that came with the ticket.
- By my calculation you got Insurance with this company within months of the other ticket/accident. In terms of disclosure what did the application state? Did the application ask if you had any accidents or tickets in a certain period of time? If you stated you did not then you did provide false information and that may be grounds to deny your claim. You need to be truthful and can't just "assume" a company will check your DMV record or look for other claims, and even if they did it could take several months for that information to show up.
So perhaps an attorney is your best chance right now.
Also just for reference December 26th was a Wed night not Monday.