- Guy gets into an accident. He had insurance coverage
- When he informed the insurance company, they cancelled his insurance and refused to pay the damages, saying his insurance is cancelled. They cancelled it retroactively
- Ca law says it is legal
- Insurance company says he never said he had a son living in the same house so they have the right to cancel and deny coverage.
- Guy says son is not even driving age, can't drive, was not in the vehicle at time of accident.
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San Diego man's car insurance retroactively canceled after he got in an accident
Preciado exchanged information with the other driver and reported the accident to his insurance. An adjuster then called for details about the crash and other information, asking if anybody else over the age of 14 lived with him, and he told them his daughter and son, neither of whom had a driver’s license at the time, were also residents of his home.
His insurance company, National General, later told him in a letter that, since Preciao had not named his son as an excluded driver, his policy was being rescinded, and, as a result, his claim was denied and his premium was refunded. The company did not respond to NBC 7's calls and emails about this case, citing customer privacy.
As a result, Preciado was on the hook for almost $5,000 in damages to the other vehicle.
“What does my son have to do with the accident?” Preciado asked over and over, also mentioning that “he wasn’t driving, he wasn’t with me at the time of the crash, he doesn’t drive at all since he has no license. So why name him?”
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Some Insurance companies will pull all kinds of shit and find whatever excuse they can to deny coverage.