I agree with Fred, you should always read your policy rather than
relying on 'your' agent's verbal explanation. Not trying to knock
insurance agents, but they do sometimes make mistakes (we all do), and
what's written in the policy takes precedence over whatever the agent
may have told you.
However, the laws regulating insurance, and hence the insurance policies
sold, vary greatly from state to state, even from the same insurance
company. I'm not sure that a policy like Fred's is even enforceable in
California.
I do know that a California insurance company is not allowed to
posthumously cancel your coverage, or claim an accident is not covered,
because of false claims (such as yearly mileage, number and age of
drivers, etc.) made on the insurance application. (Of course, they can
still sue you for fraud, etc., but that's a different issue.)
In fact, there's some new laws coming up for vote in a few weeks, that
will require them to pay even apparently fraudulent claims. (Frankly,
I'm in favor. This seems to me to mesh nicely with "innocent until
proven guilty". And, some companies have been reputed to hide behind
the "fraudulent claim" theory to avoid paying legitimate claims. Under
the new laws, they will be forced to either pay the claim, or prove in a
court of law that it is fraudulent. But, the new laws probably won't
pass :-{# )
Randall
Fred Thomas wrote:
>
> Shawn, you better read your policy again before you get in trouble, I have 2
> cars with Hagerty, 2500 miles per year, no driving to work, ="absolutely no
> shopping centers trips, extremely little pleasure, you must be going or
> coming from a show, or a mechanical garage, must be garage kept, etc., etc.,
> etc.. Please do not go by what a operator tells, go by what your policy
> reads.
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