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Well it’s official…I have been screwed! I received a call from Mercury insurance stating my claim for coverage has been denied…80 days to come up with a piss off answer..
So here is the story for those who care: After completing a full frame up restoration I called (AIS) my insurance broker on Oct.23 to add my 82 to my policy. I spoke with the agent and stated the following: This vehicle has been under construction for over a year and did not exist until recently. I need full coverage and special equipment coverage. They said sure no problem bring it in for photos to our location I said no problem but it will have to wait a bit as I need to go get the exhaust and temp tags. I also requested as to where to get pics taken. They said they would contact me…..fast forward to the 31st jeep stolen/recovered and crashed. I call and make a claim…that morning I receive a call Mr. Ward we need you to come in for pics at this location……..I am like WTF I just had my vehicle stolen last night….They then say hum we need to send this to our coverage investigation dept. They then ask for receipts, pictures, documenting the build. So today I finally get the call; Nope we are not going to cover this as the policy was never fully underwritten…..Now I understand that they needed pics, and I see how there getting out of this one. Basically they didn’t have the file underwritten so by CA law all that is required is to carry liability on the vehicle until it’s fully underwritten. Because this happened in between I get the shaft…..Sorry this post is so long I just really had to vent and update you all. Let this be a lesson just because your agent says you’re covered and even sends you a letter YOUR NOT! Until they fully underwrite your insurance…This doesn’t not apply to new cars or a new purchase….So now I have made a claim with the insurance Commissioner…next a lawyer maybe
So here is the story for those who care: After completing a full frame up restoration I called (AIS) my insurance broker on Oct.23 to add my 82 to my policy. I spoke with the agent and stated the following: This vehicle has been under construction for over a year and did not exist until recently. I need full coverage and special equipment coverage. They said sure no problem bring it in for photos to our location I said no problem but it will have to wait a bit as I need to go get the exhaust and temp tags. I also requested as to where to get pics taken. They said they would contact me…..fast forward to the 31st jeep stolen/recovered and crashed. I call and make a claim…that morning I receive a call Mr. Ward we need you to come in for pics at this location……..I am like WTF I just had my vehicle stolen last night….They then say hum we need to send this to our coverage investigation dept. They then ask for receipts, pictures, documenting the build. So today I finally get the call; Nope we are not going to cover this as the policy was never fully underwritten…..Now I understand that they needed pics, and I see how there getting out of this one. Basically they didn’t have the file underwritten so by CA law all that is required is to carry liability on the vehicle until it’s fully underwritten. Because this happened in between I get the shaft…..Sorry this post is so long I just really had to vent and update you all. Let this be a lesson just because your agent says you’re covered and even sends you a letter YOUR NOT! Until they fully underwrite your insurance…This doesn’t not apply to new cars or a new purchase….So now I have made a claim with the insurance Commissioner…next a lawyer maybe
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