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Auto Insurance Claims/Suspended registration due to insurance company negligence

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Question
Hello Justin.

While I know that my question is not related to claims, i am hoping that you can help me out.

I purchased my vehicle three months ago and the insurance company put the wrong VIN on the documents and the DMV suspended my registration. For three months I was in contact with my insurance company to get this resolved and was told by my agent on multiple times that he had corrected the VIN and that I need not worry about the DMV's notices. Turns out, my agent, or the insurance company, had been negligent about the whole ordeal and started putting the blame on each other. Currently, my insurance agent is working on getting my registration reinstated. My question though, since after this is delt with, will I have a difficult time finding inexpensive auto insurance due to this fiasco?

Thank you for any help. Jared C

Answer
With the disclaimer that this is not legal advice. . . here's the answer:

No, your search for insurance should not be affected by having the registration suspension.  I would also have to make the point that you would need to define "inexpensive".  If your rate goes up at all, can you identify why?  Will the insurance company's underwriting department disclose to you the basis for their rating of your premium charge?

It seems you are worried that the government and insurance companies have some ability to work outside of the law.

If you maintained financial responsibility (paid for auto insurance), and your insurance company is not purposely defrauding you by claiming you did not, then there is no problem, regardless of what the DMV "enforcers" believe.  Focus your energy on making sure your insurance company admits to their mistake in writing so that you can prove you did not violate AZ's automobile financial responsibility laws.

If you run into any problem or suffer any financial consequences because of the mistake the insurance company made, find an attorney fast.

I hope this helps. . .

Justin

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Justin Petty

Expertise

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.

Experience

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.

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

Publications
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?".

Education/Credentials
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 (EzineArticles.com) 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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