On September 18th, my husband bought a new van. He called the Allstate 800 number to add the van to our policy. He spoke to a gentleman on the phone. After doing all the changes to our policy, he told the gentleman that we had a payment due on the 20th and asked if he could make the payment over the phone. The gentleman said not to make the payment until we got our new policy in the mail with the new bill. So we did not make the payment.
On September 30th, my husband got into a car accident with the van and two other cars. My husband called Allstate to report the accident and file a claim. After two days of fighting with them, they finally told us that they were denying our claim because we did not pay our September 20th payment and our insurance was cancelled.
We told them that their customer service rep told us not to, because we made changes to our policy and were to pay the amount due on the new bill.
Now my husband is stuck with a van we just bought and have not yet made the first payment on, and he can't drive it. He is also responsible for the other two cars that were involved in the accident because he was the last car. So now we are stuck trying to fix our car. We are also responsible for the other two cars because we are considered drivers who did not have insurance coverage when we thought we did. He was also the last car.
Just to top it off, we received our new policy in the mail two days later. It said, here are the changes you made to your policy on September 18th, and they take effect on September 20th. How about that thrown in your face?
We tried to get a lawyer to help us, but he said it could cost my husband his driver's license, and we can't afford that right now. He is a subcontractor for a company, so without his van he cannot work much unless he rides along with someone to do some work.
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