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Auto Insurance Claims/auto policy claim

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Expert: - 11/7/2009


Question
i have a auto policy with geico in new york, i moved to georgia last year, i did not inform geico of my change of address, i got into an accident recently and now geico does not want to pay my claim because i did not inform them of my move. I'm still a legal resident of new york and my car is registered there

Answer
Hi Steve,

Most insurance policies require that you notify the insurance company within 30 days of a change of address. However, I do not think this is grounds for denying coverage. They should simply calculate the difference in premium and have you pay that difference (if any) and the claim should be paid.

You should elevate the claim to the adjusters manager. If you sitll get no where you should file a complaint with the New York State Insurance Commissioners Office.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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