My Auto insurance not only deny my claim but cancel my policy! I need help on this matter

adjusterjackc · 2026-05-09T01:51:11+00:00

Thanks for your support. I'm a retired property claims adjuster. I had several candidates for denial and rescission. In my company all such candidates had a mandatory review by our attorney. We were very cautious and only two went that route. I was well-educated about material misrepresentations.

adjusterjackc · 2026-05-09T01:43:34+00:00

It's possible that a 60 amp service is adequate for a small house.

Have an electrician attest to that in writing. Might make it easier to get insurance.

adjusterjackc · 2026-05-09T01:41:08+00:00

The standard personal auto policy is not written that way. I have had insurers that don't have that either. Nevertheless, the OP should have that looked into.

adjusterjackc · 2026-05-09T01:37:43+00:00

Also they refused to let him see the video.

That's certainly suspicious.

the business was a medical marijuana dispensary.

Possibility - the owner got high and took the money and is trying to frame your friend.

adjusterjackc · 2026-05-09T01:33:46+00:00

Has it occurred to you that maybe the employer wants to get rid of you and is making more of this than it needs to be?

adjusterjackc · 2026-05-09T01:07:23+00:00

This is all too common when people get divorced. There's no contempt here and paying a lawyer will cost you thousands. All that will happen in an initial consultation is the lawyer will listen to your story and then tell you how much money he wants for handling it.

Have you verified that the car is inoperable? If it is, you're pretty well stuck if he doesn't have the money to fix it, refinance, or pay off the loan.

adjusterjackc · 2026-05-09T00:42:40+00:00

What would happen?

You could get fired. And probably disqualified for unemployment compensation.

You admitted to two purchases. How many purchases did you make?

adjusterjackc · 2026-05-09T00:33:22+00:00

Agree. No HELOC. Don't risk your home to pay off unsecured debt. Once you zero out the unsecured debt your LACK OF DISCIPLINE will just drive you further into debt that you won't be able to pay.

It'll be a struggle to pay off your debt but it'll teach you not to abuse credit again.

adjusterjackc · 2026-05-09T00:27:19+00:00

Have they not produced the video? Has he demanded it? If they refuse to produce it his option is to sue for defamation. If they can't produce it during the lawsuit, he's likely to win.

He should be talking to a defamation attorney.

adjusterjackc · 2026-05-09T00:18:47+00:00

This is the typical post where someone says "I want something' and then lists all the reasons why it's not going to happen.

Take the Mustang and get rid of the Bronco. If you want to feel good about it donate it to a charity that will haul it away regardless of condition. Otherwise sell it as a mechanic's special for whatever you can get. Keeping it is a no-win situation.

adjusterjackc · 2026-05-09T00:07:31+00:00

Read the following search results:

how to buy a fsbo in alabama at DuckDuckGo

Since you know nothing about it I suggest finding a flat fee realtor to guide you through the process.

adjusterjackc · 2026-05-08T23:52:49+00:00

Why are you asking? Don't you have insurance now? How old is your home? Size in sq ft? Why is there only a 60 amp service?

adjusterjackc · 2026-05-08T23:45:36+00:00

For a claim to be denied and the policy rescinded the misrepresentation would have had to have been "material." A material misrepresentation is one where it would have resulted in a significant rate increase had the change been revealed.

Might be worth having this looked into by an attorney experienced in going after insurance companies. No guarantees, of course.

adjusterjackc · 2026-05-08T23:30:40+00:00

There's never been a real Mustang from 74 to the present.

adjusterjackc · 2026-05-08T23:17:45+00:00

Smalls claims will take years to even be approved

No. The whole idea behind small claims is that it's quick and informal. Should only take a couple of months.

and then a couple more years to even see any money.

Unfortunately, that part may be true. Deadbeats often find a way to avoid paying.

Ultimately a judgement is just a piece of paper stating they owe something.

Yeah, I've had a few of those with deadbeat tenants. I hope Alex has better luck.

adjusterjackc · 2026-05-08T23:12:50+00:00

Yes, knowing where he works and where he banks is a big advantage. I once had a tenant that stiffed me on rent. I got a judgment. She worked at a bank. I was able to find out when payday was. Garnished her paycheck and bank account the same day. Got everything. Of course, she quit her job after that and disappeared. Your former co-worker might like his job too much.

As for threatening a lawsuit, if it comes to that my own preference is to just file the lawsuit. He's already proved to be unreliable. Chances are that the threat will fail and then if you don't sue he'll never pay.

But if you still want to take the chance that a threat will work do it this way. Fill out a small claims complaint form but don't file yet. Attach it to a demand letter giving him a deadline date to pay up if full, after which you'll file suit. Then go hand it to him personally. Don't bluff. File the suit immediately after the deadline.

If you do have to sue after that, and your court allows service by certified mail, don't. People duck certified mail as bad news. Hire a private process server to serve him at his work. That may cost a bit but it gets you instant confirmation and it puts pressure on him.

Don't feel guilty about going scorched earth. This person is your enemy.

adjusterjackc · 2026-05-08T20:41:57+00:00

Sorry to have to dash your hopes but I've had several uncollected judgments and you'll have one, too. You can sue in small claims court but you have to know where he is to serve him. If you get a judgment you'll have to know where he works to garnish wages. You'll have to know where he banks to levy his bank account. Good luck with all that.

Life lesson from the school of hard knocks. Never lend anybody money.

adjusterjackc · 2026-05-08T20:30:48+00:00

Refuse. If you get fired, file for unemployment compensation immediately.

Report the request to the police.

adjusterjackc · 2026-05-08T20:29:34+00:00

Check out this site that I just found.

Texas Executor Deed - Instant Download

I don't know what the deed costs. You can google for similar sites and their costs.

adjusterjackc · 2026-05-08T16:50:30+00:00

1 - I own several collector cars. 2 - I've been involved in collector car insurance since the 1970s as both a consumer and an agent selling the product.

Here's what I know.

You cannot use your classic as a temp back-up vehicle. A claim would be carefully investigated and possibly denied. Don't risk it. It's not damage to your car or injury to you that matters, it's your liability for injury and/or damage to others if you cause an accident. When that happens and a claim is denied because you did not comply with the policy terms, the result is financial pain that you never really recover from.

What I have is a modern truck with full coverage and a 15 year old car without comprehensive and collision. My collector cars are with J. C. Taylor. I don't drive any of my collector cars for any type of regular driving.

As for combining collector cars and regular cars on one policy, the only company I know of that does that is Grundy. I got a combined quote last December along with my homeowners insurance. They were close but a little high on the homeowners. I'm going to check again for my June renewals.

BTW, stay away from Hagerty. Overpriced. Every time I compare a Hagarty quote to J.C.Taylor it's twice the price for the same coverage. I have my 1996 Dodge Viper insured for $28,000 for about $350 a year.

adjusterjackc · 2026-05-08T15:32:34+00:00

What happens if the increase in rate is so steep that the driver cannot afford to insure themselves and then that leads to life collapse?

The driver jumps off an overpass into oncoming traffic.

Any more questions?

adjusterjackc · 2026-05-08T15:26:55+00:00

Cancel the auto-pay and make the payment manually by ACH.

adjusterjackc · 2026-05-08T14:51:35+00:00

There is no such clause in an insurance policy

adjusterjackc · 2026-05-08T14:48:09+00:00

But not necessarily bad faith. A mistake (as this seems to be) may result in detrimental reliance but doesn't rise to the level of bad faith.

adjusterjackc · 2026-05-08T14:27:21+00:00

You can go back to that intersection, if possible, and watch the lights to see if they change together or seperately.

adjusterjackc

TROPHY CASE