Legal Question in Insurance Law in Louisiana

Dropped before wreck

My brother was driving my moms car, fell asleep behind the wheel and rearended someone. My parents called their insurance company to inform them of the accident and they told them that they had dropped them the day before the accident. My parents never recieved a cancellation notice and as far as they know a payment was not due until 1-19-2005. The accident happened on 1-15-2005. Can they cancel their policy without notification. I guess all we have is our word against theirs.


Asked on 1/18/05, 7:56 pm

1 Answer from Attorneys
Nick Pizzolatto, Jr. Pizzolatto Law Office

Re: Dropped before wreck

They cannot cancel without notice. If they were paid up through January 19, 2005, then they should be covered. I believe you should call your local driver's license bureau and ask what they show about your insurance status. Insurance companies are required to notify the state when they cancel an auto policy. If they had not notified the state, then I believe that is additional evidence of coverage.

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Answered on 1/19/05, 7:34 am


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