I purchased a used 2008 Dodge Charger(I paid Cash) in January. I got the insurance at the dealership. I moved in February from my previous address where my insurance company had me on file; however, I updated my address with the company through customer service in February.
I wrecked my vehicle in April, and I was told that I lost my collision coverage, due to the fact, that I never completed a Carco Inspection. (I live in NYC). However, I do not believe I should be at fault, because I had no prior knowledge of this Inspection prior to my accident, because the stupid Insurance company was mailing the Carco request to my old address... And now the agent who assigned me with the Insurance company is saying that, I was suppose to update him with my address and not the insurance company. WTFWTFWTF. I was confused how come the insurance company never updated his system with my information and why am I at fault, because I never heard of this type of inspection... That was my first vehicle and I had to literally drop out of my last semester of college because my gas peddle got stuck and I nearly died in the accident. And now I can't get a new car because I never did a Carco Inspection?????????? Can someone please help me out, because the insurance company is telling me that I would need to wait for the underwriting department to get back to them. Please help me out, there needs to be a loop-hole here...
I was told that I could give them the bill of sale; however, the dealership went out of business. And itís funny that the agent who assigned me with the insurance has his personal line; but, he never gets back to me. The dealer keeps on saying that he would get back to me. And shouldn't the agent have the bill of sale??? I lost my bill of sale, because it was in the vehicle and the vehicle was in a lot where I lost the ownership, because I lost my collision coverage and I was being billed $400 for the tow and $50 per day. And should I mention that I was in the hospital in critical condition for 10 days (20 days in total). And I recently came from a death in the family from Dominican Republic, and now Iím trying to fight for the medical as well as for the vehicle insurance. Can someone please help me out, because I honestly can't afford a lawyer and I just finished paying for my tuition and I don't have any expendable income.