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Auto Insurance Claims/Misrepresentation on thé application


Van I was driving
Van I was driving  
Hy thank you  my name is nikitas i live in Michigan i was involve in sévère car accident it happen on my way to work 10 months ago I was t bone by a pick up truck who failed to stop at the red light .i was transfer to the hospital with a broken neck fuse c3c4 dissect artery to the brain hat another surgery in shoulder etc etc.and still living with a lot of question is I work in my family business own by my wive it is a garage the van I was driving was in my name I had a commercial policy on the van because we where using the as a shop van I also had insure my employes after  I came home from the hospital I receive a letter from my insurance
Who said that I misrepresent myself on the application and they don't want to be the primary and they denied my medical expenses .i hire 3 lawyers to represent my I have bent  frustrated with the whole situation I was thinking that I had coverage they took my premiums every month I have be about of work all those months effecting my live I was the victim i  am supposed  to look up my health denied physical therapy etc .to I have any change  or I  am the criminal because the agent who wrote the application really scrou me over thank you I will be waiting for a answer

Wow.  So your insurance company is saying that you lied on your application.  If they have evidence that this is true, they do not have to provide you with coverage.  I am curious as to why you hired 3 lawyers, yet still have had to come to search for help.  What happened with the attorneys?  Why were they not able to assist?  

It seems to me, you have only one option. . take legal action to settle the matter of whether you do or don't have coverage.  I am not an attorney and I cannot give you legal advice.  If you sue both the agent and the insurance carrier for bad faith / deceptive trade practices, then if there is some evidence that shows you (materially) misrepresented the risk you posed, it will have to be presented for all to review.  

Unfortunately, I have seen insurance carriers deny coverage for misrepresentation improperly.  An example would be if you gave the agent the wrong color for the van.  If you said the van was red, but it was really blue, that is not material to whether the insurance company would insure you or not, follow?  The misrepresentation that the company is claiming must be something that makes a difference in whether they would have covered you if they knew the truth.  

This is about the best I can offer you at this time without having all of the paperwork and claims documentation in front of me to review.  The damage photo is horrific, I am very glad you are alive.  I simply don't have enough information to give you any advice that will help you resolve this case.  If you have more information that you would like to share, you can always look me up and call my office directly, I'm pretty easy to locate via a google search.  Look for my company if you feel like you need more help that what I can provide via  Information is always free at Petty Details, LLC.  

Auto Insurance Claims

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Justin Petty


Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.


Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

NASP (National Association of Subrogation Professionals) (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author ( All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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