i got into a car accident
#21
well the funny thing was that my dad tolled the lady who works at the brokers office that that car was under my name blah blah but what i dont understand is this.. how do they authorize me to drive if im not suppose to be driving really? why didnt they say btw u wont be covered or u have to have your own insurance i dont think this is fair and im the one who got hit its 100% not my fault amagine if it was my fault wow
#22
You misrepresented yourself to the insurance company when setting up the policy. In other words, you tried to shaft them out of insurance premiums that were rightfully due to them. They found out at a very inconvenient time for you, so now you're getting the shaft right back.
It sucks to be you, but you and your father have only yourselves to blame.
It sucks to be you, but you and your father have only yourselves to blame.
Aren't you a little quick to jump the gun? You are ASSUMING that just because it's in his name he drives it the most. Maybe he just bought it but his dad drives it more often than him, that's why he wanted him to be primary.
His dad told the broker that it was under his son's (the OP's) name, the broker should not have set up the policy with the dad as primary if that was against the guidelines of the company. It's really not the OP's fault...
#23
The agent may have screwed up, but that doesn't mean that the OP and his father didn't ALSO screw up by misrepresenting who the actual primary driver of the car was. Both can be at fault here, but the OP's misrepresentation is grounds for claims refusal and policy cancellation.
#24
Ya you should have been primary driver its based on howmany cars are at the residence and how many are able to drive if u have 3 cars and 3 drivers they are all primary if u have 2 cars and 3 drivers two are primary and 1 is secondary also how didnt you guys catch this when your policy was sent to you it pretty much outlines everything including who is primary and seconday drivers....good luck tho dude
#25
You know what your problem is dude? Your taking advice from all these people who have heard stuff from other people who have heard stuff from other people (very similiar to the game broken telephone)...in any case you need some proper legal advice. I know somebody who can help you out if you're interested. Also, he doesn't charge any upfront cash either (free consultation). In any case, if you want PM me and I'll link you his number.
#26
You know what your problem is dude? Your taking advice from all these people who have heard stuff from other people who have heard stuff from other people (very similiar to the game broken telephone)...in any case you need some proper legal advice. I know somebody who can help you out if you're interested. Also, he doesn't charge any upfront cash either (free consultation). In any case, if you want PM me and I'll link you his number.
Good luck man i hope it works out for you.
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