My husband got into an accident last month, about a week before our policy ended. The body shop told us there’s over $14k in damage, so it’s likely a total loss. The adjuster finally calls back and says we don’t have collision coverage. This was shocking because it’s a financed car, and collision was a requirement when we bought it.
Looking at our policy, it shows we removed collision from a different car (a 2013 Hyundai), not the one involved in the accident (Kia K900). The policy update even says collision was removed for the Hyundai and that’s it. We didn’t make any other changes, and the policy auto-renewed without issues. USAA told us they don’t understand why the Kia has no collision coverage and are looking into it, but nothing is resolved yet.
We never received any notices from our finance company about missing coverage. Has anyone else dealt with something like this? Should I hire a lawyer? I’d love to hear your advice if you’ve been through this!
When you talk to claims, ask them to escalate your case to the Coverage Response Unit (CRU). That department specializes in reviewing coverage details at the time of the accident. They can check if there was an error and whether it was on your end or theirs. If the change happened over the phone, they might even have a recording to review.
It’s not a quick process, but CRU exists for situations like this.
@Cass
They should’ve gotten a declarations page after the change was made. If this was done through the app, though, it might just be an input mistake.
