Insurance Coverage for Skidding Accident No One Hit No One Hurt Car Totalled?

Insurance Coverage for Skidding Accident No One Hit No One Hurt Car Totalled?
This morning my husband ended up being driving back right from his night move about when he arrived at on black snow and skidded. His car turned across. He managed to acquire the driver side open up and crawled outside. He wasnt harm and he hit no one. However since the vehicle turned over a windshield broke and the top of the car is poorly bashed in. It may be unusable and this really is still being looked at.
When he known as Geico, they said how the incident has nothing to do with them. They refused to provide him a leasing car and turned down to lodge a good claim.
Does that imply that Insurance companies dont cover this type of accident at most or did we tend to miss a coverage we should have taken. We do have broad and collision.
Please advise.
Best Answer:
“When he called Geico , they said that this incident has nothing to do with them. They refused to provide him a rental car and refused to lodge a claim”

This is indeed strange. I have never before heard of an insurance company refusing to accept a claim from a policy holder even if they will later reject it. Particularly from Geico, one of the better rated companies as far as fewest complaints lodged with the insurance commission of various states. If he had collision coverage they must pay the claim less the deductible. As far as the rental car coverage that is not automatic, that is extra coverage which must be paid for separately from liability, comprehensive, and collision.

Let me ask what might seem a couple of dumb questions. Are you sure he is still insured with Geico? Did the policy lapse or did he perhaps forget he switched companies? Both are not uncommon. If he had Geico, did he have collision? Was the collision coverage on this car? Did you buy another car and not notify them of the change or add a car assuming any car you own is automatically covered. They’re not. You must notify them when you change cars.

If you are insured with GEICO you should immediately file a complaint with your states insurance commission. I provided a link to how to do it in New York. Your state probably has an insurance commission website with a link to file a complaint. Issues related to denial of a claim are usually handled very quickly.

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