Quote:
Originally Posted by Ohiogirl
Oh yes, it WOULD be legal to deny coverage - because it would no longer meet the Definition of the covered vehicle. I'm a former auto insurance claims adjuster, and believe me, we were trained to look for these things and deny coverage when it is appropriate - and it is appropriate if it doesn't meet the definition.
Please note there is a DIFFERENCE between an insurance agent (who sells policies) and an insurance adjuster (who handles claims on policies). Just because an agent told you something was covered does NOT mean that it actually is. Trust me on this one.
Some coverage exclusions are spelled out - but not all. There is a lot of gray area, but normally courts (where policy language is tested regularly) always go back to the Definitions. Of course, juries can mostly decide anything they want, but insurance companies have the means to pursue an unfavorable judgment further (by appealing). I personally wouldn't want to take the chance.
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This is pretty much what the agent said at the seminar. You buy coverage for a golf cart. If it has been modified, it no longer meets the state's definition of a golf cart and the agency will not cover it, since you either fraudulently obtained the policy with the claim that it was a golf cart or fraudulently maintained the policy after altering it. Ignorance of the terms of the policy is no excuse. If I had any doubts I would contact an attorney. Like the quote above, I wouldn't just trust the agent.
I think all of us have been around long enough to know that it will be hard enough to get an adjuster to properly pay a claim if you are completely legal.