Mr. Berger claims he had insurance on his old BMW but he negelected to transfer it to his Jeep.
Coverage automatically transfers, whether the Insured calls or notifies his insurance provider or agent or not. It is automatic for 30 days or the remainder of the policy term, whichever is greater. Of course that presumes his premium has been paid.
He says he'll know by Monday if he had coverage or not when the Insurance Company finishes its investigation.
The Insurance Department would have investigators in the agency or insurance company office for not being able to confirm coverage or lack of coverage within minutes. I'm not talking about assessing fault or liability for the incident. I'm talking about the existence of insurance coverage or not.
A free lesson to the other party. Do not file a claim under your collission coverage with a $500 deductible. If he is indeed uninsured, file an uninsured motorist coverage claim. Not certain wht the deductible is, if any, but uninsured motorist claims will not cause your rate to go up as a collision claim could, even though not your fault.
A second lesson for the other party. In NC, you hve 3 years to file an action for damages caused by injuries you may have sustained.
Oh yeah, Thom Goolsbey will be back from Raleigh around July 1.
Mr. Berger's problems here may just be starting. And that does not even take into account the Highway Patrol sending an officer to retrieve his license plate or the DMV taking action due to his failure to drive, have an accident, and have no insurance.
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