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Had an accident on day I got insurance

by Kevin
(Highland IL)

My brother got on an accident on the same day he got his insurance. They faxed him an insurance card that was dated the 7th. The accident happened on the 7th.

When he went to claim his accident. They told him that he was not covered because his payment had not gone through before the accident happened? Can they do this?


Hello Kevin,

Yes they can. If the payment was not tendered, then it’s possible that the policy was not active. Payment usually is a condition precedent to the coverage.

The question will be, why was not the payment processed? Was it a bad check? A refusal from a bank? Or is the insurance company simply sending the payment back?

This can make a difference. Have your brother talk to a local attorney.

Good Luck,

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