Legal Question in Personal Injury in Pennsylvania
Hello
I live in PA.I had an auto accident with no property damage to anything other than my own vehicle.
Sounds as if the vehicle might be totaled.I filed a claim with my ins. co.,and found out that the policy had been canceled a month and a half ago!(not to my knowledge)
My question.....Does the company that is carrying the loan pick up a policy if we do not to prevent something like this from happening?
And yes this is a financed vehicle
1 Answer from Attorneys
Under PA law, your insurance company is required to give you 30 days advance notice, in writing, of its intention to cancel your policy for non-payment of premiums. Sometimes, this is done by certified mail, to prove delivery, and other times it is not. Either way, you should ask the company for a copy of the 30 day cancellation notice. If they have one, and all the information on it is correct (name-address, etc.), then your probably out of luck. If they have a certified mail receipt, then you are definitely out of luck. As for the finance company, they have no responsibility to pay your insurance, but they should also have gotten the notice of cancellation. Find out if they did. The responsibility to have insurance is yours.
If there is any question about your receipt of the 30 day notice, you should consult with a lawyer immediately.
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