- 15,041
I need to clarify about their declarations pages. if do not pay attention to other things, declarations pages clearly stated effective date of coverage, what kind of coverage has insured. This is also stated in their contract. There are not any word about who and when make changes to policy. Can that declarations pages confirms our coverage?
It sounds like the change was made retroactively. Generally that is going to include an attestment that there have been no losses. Obviously that is not the case if the change was done retroactively. And if so, you can expect coverage to be denied as there was a material misrepresentation. Thus the question becomes, when did you ask the agent to add the vehicle and when did the agent actually do it.
Finally, you can argue this with us until the end of time, it doesn't change your actual situation. If you feel your claim has been unfairly denied, we are not the party to seek help from. That would be the Department of Insurance and an attorney.