Insurance Coverage Dispute Resolution

Summary

Barbaras husband was involved in a car accident with a DUI driver. Despite believing they had full coverage, the insurer claims only liability coverage was in place. Barbaras daughter witnessed the coverage confirmation. Contacting the local Department of Insurance or a legal expert is recommended to clarify and resolve the dispute.

Full Conversation

Barbara
Hello Barbara, nice to meet you. I'm here to help with your legal concerns. Could you please tell me more about your issue?
My husband was involved in a car accident where as the other diver was dui she made complete stop in the road and made turn in the road he hit her on drive side back lite and I did have insurance but they told me that I only had liability insurance but I have * vehicles on my insurance all of them have full coverage but the adjuster told me I only had liability I know I changed it back in September of last year she said because there recording don’t last but 3month they want pay to get my car fixed
Hello Barbara, I'm sorry to hear about your situation. It's critical to know your location as insurance laws vary by region. Also, do you have any proof or documentation showing that you changed your coverage back in September?
No it was done over the phone they never sent me out any paper work until the other day when they sent copy to my address
Hello Barbara, I'm sorry for the challenges you're facing. Without documentation proving the change to full coverage, it may be difficult to dispute the insurance company's claim. However, you have rights as a consumer. I recommend contacting your local Department of Insurance for assistance in clarifying your situation.
My daughter was on the phone with me when the guy told me I was covered and how much it was
Hello Barbara, your daughter being a witness could potentially strengthen your case. However, it's essential to contact your local Department of Insurance or a legal expert to understand the best course of action. Could you tell me where you are located?