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What can you do if your insurance agent fails to bind the insurance coverage you requested?
Oct 7th, 2009
You were injured in a auto accident, truck accident or motorcycle accident and when you
make a claim against your own insurance company for underinsured motorist
benefits or uninsured motorist benefits you discover that your agent did not
bind the coverage you requested. If this happens to you, then you need to
collect all the documents and other proof that you requested the coverage and
then contact the Kentucky Auto Accident Attorney. If you can prove that you
requested the coverage, then you can file a claim against your insurance agent.
Most insurance agents maintain an “errors and omissions” policy that will cover
incidents where they fail to bind the requested coverage. If you cannot prove that
you requested the coverage, then you will not be able to make a claim against
your agent.
One of
the most common circumstances where an insurance agent fails to bind requested
coverage is when you change insurance carriers. Your premiums may go up and
then you look for another carrier and ask them to match your previous coverage.
They provide a quote but do not completely match your coverage. For information
concerning the types of coverages that you should buy, please review an article from the Kentucky Auto Accident Attorney about “how to buy auto insurance.”
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