It is understandable that after a car accident, we want the responsible insurance company to fix our car immediately so we can get back to our regular routine. But from time to time it happens. The responsible insurance company seems to be doing nothing. When we call them and ask what is going on, they state they are dealing with ‘coverage issues.’ It can be frustrating. What does that even mean? Coverage issues?
We have found that in many of these circumstances, the issue involved is, was the person who drove the car a permissive user or not? The insurance company is saying to us in so many words, ‘the person who hit you was not listed on the insurance policy maintained on the car.’