By lentkaysi - 10/09/2015 22:55 - United States - Syracuse
lentkaysi tells us more.
wow thanks for all the comments guys! yes, my luck in this case was awful. for those wondering, I did pay my insurance. the issue wasn't non payment. I just bought my car less than a month ago. Progressive, my company, never informed me of the photo inspection with new cars and since this is my first new car I had no idea. They chose their sole form of communication through postal service. Never received an email. so comp and collision were cancelled on my car insurance. Now the post office is 100% responsible for fixing my car. However, since its the government insurance they take their sweet time. I will be without my car for many months unless my insurance will cover and they can reimburse my insurance. You guessed it....that's not gonna happen. yes I will be suing. yes I will be without my brand new car, that now has $7000 worth of damage. fml.
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Wow. That really sucks! I'm sorry OP! That's what I call bad luck!
It sucks, but you ARE responsible for keeping up with things like that.
25, she didn't get the letters FROM the insurance company, it wasn't her letters that weren't delivered. Which is even worse because she actually would have no way of knowing, if it was her letters not being delivered then she could at least contact the insurance company to find out what was up when they kept sending her letters.
They hit you... They are responsible for the damages, not you.
That's not how it works. I was a liability adjuster, for years. It depends on what happened in the loss. If the driver of the USPS truck was 100% negligent in the loss (determined by the insurance of USPS) then they are responsible for 100% of OP's losses, regardless of if they are uninsured. Most states just don't allow uninsured claimants to recover pain and suffering. But, OP didn't actually say what happened in the loss. Also, their insurance was probably canceled for non payment. The letters they missed were probably notifying them of this.. You don't have to keep in contact with your insurance carrier on a regular basis.