New Vehicle Missing from Car Insurance Policy

Q: My car was totaled in 2015. I assumed since the company was cashing my monthly payments, I thought I was being covered on my new car. I found out a few weeks ago that my new car was not covered since purchase. Am I due a refund for paying on a total loss car? I’ve since added it after trying to file a claim.

A: You need to talk to your agent or insurance company and figure out exactly what you were paying for.  Tell them you want to see documentation of the coverages for that time period as well as the bills for the premium you were paying.  Hopefully, you have an agent and you can sit down and talk to them about it to find where the problem happened.

If it turns out you told them to put your new vehicle on your policy and they didn’t you are owed the coverage.  You may have to pay the back premium, but it will at least get your total loss covered. On the other hand it was your responsibility to know what you were paying for. If the new vehicle was added you would have received documentation on it that you should have read through. If you didn’t get documentation of the new vehicle coverages a follow up with your insurance company or agent should have been made.