Insurance issue - need help

[Anonymous]

My daughter’s car was badly damaged in a hit and run at the end of March. There is an insurance problem, and the car is still sitting on the street where it was hit. It is not drivable. We don’t know who hit it.

Her car was in her father’s name until the title was signed over to her in early March. She got an insurance policy on the car, dated from when the title was signed over. Her father had a massive stroke about a year ago, and died about 2 weeks ago. He has been unable to manage his own affairs since the stroke. His sibling has been managing the general affairs since I left the area.

Now, the insurance issue: her father’s policy was not cancelled. It was supposed to end due to nonpayment a couple of weeks ago. Geico and Progressive just keep giving my daughter the run around. She is only 20, and really doesn’t understand anything they’re asking for. There is no executor. The POA died with him.

What can her or I do to get them to fix her car? “Could have,” and “should have” answers really aren’t that helpful to me. I cannot change the past. It has been a difficult time for everyone since he went into hospice care. I need some help on moving from where we are right now.

[Anonymous]

This is easy. Email the CEO of each. Company (separately) and explain the situation, similar to how you did here. I’d also recommend going on each company’s websites, finding a few additional EVPs, and including them. Be kind but direct in your email.

Insurance is a regulated business. Each of these companies will have executive customer relations teams. That is the team that will help you.

[Anonymous]

Has she made a claim with GEICO to get it fixed? If the car is insured under her own policy, then they should fix. If GEICO wants to go after Progressive to get reimbursed, that’s between them and shouldn’t hold up the repairs. It sounds like something else might be going on though, like maybe the car isn’t actually insured. Did she file a police report to document the hit and run? Submit photos or whatever else GEICO is asking for? Insurance companies always ask for information when you make a claim.

Ideally she could have Progressive handle the repairs so that her rates don’t go up, but there might not be coverage for the car under that policy after she obtained title and her dad died.

[Anonymous]

Anonymous wrote:Has she made a claim with GEICO to get it fixed? If the car is insured under her own policy, then they should fix. If GEICO wants to go after Progressive to get reimbursed, that’s between them and shouldn’t hold up the repairs. It sounds like something else might be going on though, like maybe the car isn’t actually insured. Did she file a police report to document the hit and run? Submit photos or whatever else GEICO is asking for? Insurance companies always ask for information when you make a claim.

Ideally she could have Progressive handle the repairs so that her rates don’t go up, but there might not be coverage for the car under that policy after she obtained title and her dad died.

She tried to file a police report. They wouldn’t show up unless she had a tag number of the car. Progressive wanted to verify she called them, but the Baltimore PD wouldn’t answer the phone for a week. Like I said, the could have and should have responses aren’t helpful. I’m sure if her father wasn’t dying, she could have been more proactive.

There was overlapping coverage, in case that wasn’t clear. Progressive is the policy she got after the title was signed over. Geico was her father’s policy that was never cancelled.

So, she should file a claim with Geico, in addition to the Progressive claim? That’s legal?

[Anonymous]

It’s not clear that there is overlapping coverage. You may not be able to insure something you have no interest in. In other words, I can’t decide to take an insurance policy out on your
house.

Has she provided registration and ownership documents to her carrier? Also does she have collision and comprehensive coverage?

[Anonymous]

She hasn’t even finished retitling the car. She had to get repairs done after failing inspection. She has the repairs done, and 72 hours later, it was smashed. She had C&C coverage through both policies. Progressive specifically said ownership of the car is not relevant here. The two policies are what matter.

These are a lot of questions that aren’t particularly relevant to my question here. They’re are 2 policies. They keep saying she needs x,y or z, and bouncing her back and forth.

[Anonymous]

Anonymous wrote:She hasn’t even finished retitling the car. She had to get repairs done after failing inspection. She has the repairs done, and 72 hours later, it was smashed. She had C&C coverage through both policies. Progressive specifically said ownership of the car is not relevant here. The two policies are what matter.

These are a lot of questions that aren’t particularly relevant to my question here. They’re are 2 policies. They keep saying she needs x,y or z, and bouncing her back and forth.

If you don’t tell us what they are saying they need, it’s really hard to help you. That’s why people are asking questions. Your situation is a mess and advice is going to depend on the details.

[Anonymous]

Anonymous wrote:She hasn’t even finished retitling the car. She had to get repairs done after failing inspection. She has the repairs done, and 72 hours later, it was smashed. She had C&C coverage through both policies. Progressive specifically said ownership of the car is not relevant here. The two policies are what matter.

These are a lot of questions that aren’t particularly relevant to my question here. They’re are 2 policies. They keep saying she needs x,y or z, and bouncing her back and forth.

You keep saying there are questions that aren't relevant, but you also aren't clear on why either company refuses to move forward with the claim. And event though Progressive said ownership isn't relevant you keep bringing it up. No one here is likely to be able to give you a magic bullet answer at all but definitely not if they don't understand the issue.

If she has Progressive then she needs to get the information Progressive is requesting. If Progressive is playing the game of trying to push responsibility to GEICO because there are two insurance companies involved then she should lean on Progressive as her insurer to get the ball rolling.

[Anonymous]

Anonymous wrote:My daughter’s car was badly damaged in a hit and run at the end of March. There is an insurance problem, and the car is still sitting on the street where it was hit. It is not drivable. We don’t know who hit it.

Her car was in her father’s name until the title was signed over to her in early March. She got an insurance policy on the car, dated from when the title was signed over. Her father had a massive stroke about a year ago, and died about 2 weeks ago. He has been unable to manage his own affairs since the stroke. His sibling has been managing the general affairs since I left the area.

Now, the insurance issue: her father’s policy was not cancelled. It was supposed to end due to nonpayment a couple of weeks ago. Geico and Progressive just keep giving my daughter the run around. She is only 20, and really doesn’t understand anything they’re asking for. There is no executor. The POA died with him.

What can her or I do to get them to fix her car? “Could have,” and “should have” answers really aren’t that helpful to me. I cannot change the past. It has been a difficult time for everyone since he went into hospice care. I need some help on moving from where we are right now.

If your daughter owns the car as per the title signed to her on the date of the accident and has her own insurance on that date, she should only deal w/ her insurance policy.

[Anonymous]

Anonymous wrote:

Anonymous wrote:My daughter’s car was badly damaged in a hit and run at the end of March. There is an insurance problem, and the car is still sitting on the street where it was hit. It is not drivable. We don’t know who hit it.

Her car was in her father’s name until the title was signed over to her in early March. She got an insurance policy on the car, dated from when the title was signed over. Her father had a massive stroke about a year ago, and died about 2 weeks ago. He has been unable to manage his own affairs since the stroke. His sibling has been managing the general affairs since I left the area.

Now, the insurance issue: her father’s policy was not cancelled. It was supposed to end due to nonpayment a couple of weeks ago. Geico and Progressive just keep giving my daughter the run around. She is only 20, and really doesn’t understand anything they’re asking for. There is no executor. The POA died with him.

What can her or I do to get them to fix her car? “Could have,” and “should have” answers really aren’t that helpful to me. I cannot change the past. It has been a difficult time for everyone since he went into hospice care. I need some help on moving from where we are right now.

If your daughter owns the car as per the title signed to her on the date of the accident and has her own insurance on that date, she should only deal w/ her insurance policy.

to add, mentioning the other non canceled policy will just delay and make things confusing. You just say I only know about the policy assigned to your daughter and that's it.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My daughter’s car was badly damaged in a hit and run at the end of March. There is an insurance problem, and the car is still sitting on the street where it was hit. It is not drivable. We don’t know who hit it.

Her car was in her father’s name until the title was signed over to her in early March. She got an insurance policy on the car, dated from when the title was signed over. Her father had a massive stroke about a year ago, and died about 2 weeks ago. He has been unable to manage his own affairs since the stroke. His sibling has been managing the general affairs since I left the area.

Now, the insurance issue: her father’s policy was not cancelled. It was supposed to end due to nonpayment a couple of weeks ago. Geico and Progressive just keep giving my daughter the run around. She is only 20, and really doesn’t understand anything they’re asking for. There is no executor. The POA died with him.

What can her or I do to get them to fix her car? “Could have,” and “should have” answers really aren’t that helpful to me. I cannot change the past. It has been a difficult time for everyone since he went into hospice care. I need some help on moving from where we are right now.

If your daughter owns the car as per the title signed to her on the date of the accident and has her own insurance on that date, she should only deal w/ her insurance policy.

to add, mentioning the other non canceled policy will just delay and make things confusing. You just say I only know about the policy assigned to your daughter and that's it.

Per OP’s most recent post, daughter does not own car. Deceased father does.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My daughter’s car was badly damaged in a hit and run at the end of March. There is an insurance problem, and the car is still sitting on the street where it was hit. It is not drivable. We don’t know who hit it.

Her car was in her father’s name until the title was signed over to her in early March. She got an insurance policy on the car, dated from when the title was signed over. Her father had a massive stroke about a year ago, and died about 2 weeks ago. He has been unable to manage his own affairs since the stroke. His sibling has been managing the general affairs since I left the area.

Now, the insurance issue: her father’s policy was not cancelled. It was supposed to end due to nonpayment a couple of weeks ago. Geico and Progressive just keep giving my daughter the run around. She is only 20, and really doesn’t understand anything they’re asking for. There is no executor. The POA died with him.

What can her or I do to get them to fix her car? “Could have,” and “should have” answers really aren’t that helpful to me. I cannot change the past. It has been a difficult time for everyone since he went into hospice care. I need some help on moving from where we are right now.

If your daughter owns the car as per the title signed to her on the date of the accident and has her own insurance on that date, she should only deal w/ her insurance policy.

to add, mentioning the other non canceled policy will just delay and make things confusing. You just say I only know about the policy assigned to your daughter and that's it.

Per OP’s most recent post, daughter does not own car. Deceased father does.

i thought that the title was signed over to the daughter before the accident e.g. early march

[Anonymous]

You want people to help but you aren’t being clear on what exactly the problem is. Then when people ask for details, you argue that their questions aren’t relevant and “should have” responses aren’t helpful. So what do you want people to say? Telling you she “should” do something is responding to the exact question you asked.

You clearly have no idea how insurance works, which is fine, but maybe don’t be so quick to dismiss questions that you think are irrelevant.

I think your best bet is to work with your daughter to discuss this with both companies (with her) to find out exactly what the problem is. Your daughter might not be understanding the situation clearly or might be giving you wrong information about the situation.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My daughter’s car was badly damaged in a hit and run at the end of March. There is an insurance problem, and the car is still sitting on the street where it was hit. It is not drivable. We don’t know who hit it.

Her car was in her father’s name until the title was signed over to her in early March. She got an insurance policy on the car, dated from when the title was signed over. Her father had a massive stroke about a year ago, and died about 2 weeks ago. He has been unable to manage his own affairs since the stroke. His sibling has been managing the general affairs since I left the area.

Now, the insurance issue: her father’s policy was not cancelled. It was supposed to end due to nonpayment a couple of weeks ago. Geico and Progressive just keep giving my daughter the run around. She is only 20, and really doesn’t understand anything they’re asking for. There is no executor. The POA died with him.

What can her or I do to get them to fix her car? “Could have,” and “should have” answers really aren’t that helpful to me. I cannot change the past. It has been a difficult time for everyone since he went into hospice care. I need some help on moving from where we are right now.

If your daughter owns the car as per the title signed to her on the date of the accident and has her own insurance on that date, she should only deal w/ her insurance policy.

to add, mentioning the other non canceled policy will just delay and make things confusing. You just say I only know about the policy assigned to your daughter and that's it.

Per OP’s most recent post, daughter does not own car. Deceased father does.

i thought that the title was signed over to the daughter before the accident e.g. early march

OP clarified in a later post. So who knows what’s actually going on here.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My daughter’s car was badly damaged in a hit and run at the end of March. There is an insurance problem, and the car is still sitting on the street where it was hit. It is not drivable. We don’t know who hit it.

Her car was in her father’s name until the title was signed over to her in early March. She got an insurance policy on the car, dated from when the title was signed over. Her father had a massive stroke about a year ago, and died about 2 weeks ago. He has been unable to manage his own affairs since the stroke. His sibling has been managing the general affairs since I left the area.

Now, the insurance issue: her father’s policy was not cancelled. It was supposed to end due to nonpayment a couple of weeks ago. Geico and Progressive just keep giving my daughter the run around. She is only 20, and really doesn’t understand anything they’re asking for. There is no executor. The POA died with him.

What can her or I do to get them to fix her car? “Could have,” and “should have” answers really aren’t that helpful to me. I cannot change the past. It has been a difficult time for everyone since he went into hospice care. I need some help on moving from where we are right now.

If your daughter owns the car as per the title signed to her on the date of the accident and has her own insurance on that date, she should only deal w/ her insurance policy.

to add, mentioning the other non canceled policy will just delay and make things confusing. You just say I only know about the policy assigned to your daughter and that's it.

Per OP’s most recent post, daughter does not own car. Deceased father does.

i thought that the title was signed over to the daughter before the accident e.g. early march

That's what I thought too, but OP later followed up saying, "She hasn't even finished retitling the car."

OP, whose name was the title under at the time of the accident?