Insurance unable to determine if at-fault driver covered

by JB
(California)

I was hit by a driver who spun out of control on the freeway on 11/19.

I reported this to his insurance on 11/21. The driver provided me insurance information, but now the insurance company says there is a "coverage issue"-- that driver was not actually on the policy, and they cannot reach the insured (his dad).

I need to get some sort of statement that he is either covered (and they will pay) or he is not covered in order for my uninsured motorist insurance to kick in.

How long should I have to wait for the company to verify whether this guy was covered? Thanks

Answer to Insurance unable to determine if at-fault driver covered?


Hello JB,

You may want to get your own insurance company involved. The "coverage" issues may take a long time. The insurance company has 30 days to conduct an investigation, and after that, all they have to do is to put in writing the issue for the delay.

In other words, you could be waiting a long time.

It is unfair, we know.

Contact the department of insurance and see if they can guide as to how to speed up the process.


Good Luck,
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