Verifying My Uninsured Motorist Coverage California

[jhuang]

Seems we missed the State of reference...it's on the title post! (california)

in CA, you have to sign to waive UMBI/UMPD

 

[NCAgent]

Yeah I pretty much will not offer a policy without UM coverage. If a client asks for it to be excluded, I'll turn them away since the coverage is pretty cheap and the client probably has a payment history issue anyway if they are cutting away those dollars. Not to stereotype but that account is going to cost more money than it is worth.

If it is a current client I won't do it either, though I will drop down to liability only or even state minimum limits- if they call a call center to do it then I'll let it go since now it is on the E&O of the insurance carrier, not myself. Even then I'll still have a conversation with them that is documented.

I have seen too many horror stories about this in the states I operate in. NC is already a contributory negligence state (look it up, very few states are like it) and then SC and VA have their own issues.

If you can't afford the insurance, you cannot afford to drive bro. It's that simple. Driving is a privilege like having sex or watching TV. If you cannot afford to pay the money and do the proper diligence, you shouldn't be deserve the activity.

We all screw up though- you learned your lesson. Now you know to talk to your agent about these things.

 

[TeePee]

Why is *cut rate car insurance* running through my head??????

 

[jr88]

So, simply stated, if the insurance carrier does not have a signed UM waiver from me, on file, I am covered for UM?

 

[Josh]

So, simply stated, if the insurance carrier does not have a signed UM waiver from me, on file, I am covered for UM?

Doubtful. If you didn't get it, you probably just are going to have to deal with the fact you don't have it. I'm not sure if the waiver is carrier specific or if it's the law (perhaps one of our California agents can clarify), but if that's your best argument you're in a tough spot. Did you buy it online? Did you work with an agent?

 

[djs]

If your intention was to have a barebones policy, why do you suddenly want something different?

Unless the policy is under 2 months old, if you don't have the coverage on your dec page, you don't have the coverage. The carrier would have added it back in automatically if they didn't have the waiver.

All of those forms you filled out online? You signed/accepted electronically? Those had the waiver.

Has the policy renewed? If so, I think you are out of luck anyway.

But, if you are going to fight this, you might as well as fight for the fact that you had higher limits, full coverage, basically a cadillac insurance plan, rather than a barebones.

Dan

 

[VolAgent]

Even though it is in my signature, I'll say it again.

You can pay the premium or you can own the loss. Looks like the OP choose to own the loss and is now having buyer's remorse.

 

[GreenSky]

Maybe we can have Obamacrap for motorcycle policies. You know. Where you buy the coverage after the fact.

Rick

 

[Norwayguy]

i wouldnt be surprised that he doesnt have UIM, and the agent forged the client signature on the waiver...

gotta make the policy look cheap to sell

RBA, As an agent that has been accused by a client that I did not tell them something only to show them thier signed disclosure form. I don't think it is a good idea for agents to say things like forging documents without any proof.

 

[skanair]

If it's not on the declaration page then you don't have the coverage.

However you can try to pursue a um claim and ask your insurance company to provide you with the um waiver. They may extend coverage.