Auto Insurance Claims: ins fraud, physical damage insurance, 2007 mitsubishi eclipse

Question
I bought a new 2007 Mitsubishi Eclipse 2 1/2 years ago which was totaled AUG 2, 2009.  The other drivers insurance (Rodney D Young) did pay the loan off-up to 10000.  My insurance (Progressive Insurance) said I did not have a valid claim because I only had the minimum liability insurance and never had full coverage. I know I did, my premiums each 6 mo was 627.00, 619.00 570.00, 415.00, 441.00.  High for just basic ins.  Insight?? Thanks You

Answer
Hi Sandra,

You should demand that your insurance company provide you with a copy of the original application form as well as any and all endorsements, policy change requests and anything else that would effect your coverage, since the time you first became insured with them.

The premium amount you stated does not sound high for just liability insurance. Also, if your car was financed, the lienholder would require you to have full coverage. If you did not have full cover then the lienholder will purchase physical damage insurance for you to cover the loan. You shgould check with your lienholder to see if they have been notified by Progressive that you ever had coverage and were they notified that it was ever stopped.

I hope this helps
Richard Hixenbaugh