What to do if my car has been vandalized and my car insurer doesn’t want to pay for the reparation?

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What to do if my car has been vandalized and my car insurer doesn’t want to pay for the reparation?

My car has been vandalised and my car insurance doesn’t want to pay for the reparation. They are only giving me $2,700 when the quote from the car repair shop is for $4,900. I pay extra on my policy to insure my classic car for up $18,000 and now they are telling me that no matter where I take it, for example a shop they refer me to, they will not pay more than 2,700 because it is an old car. When I signed up for this insurance I asked them if they insured classic cars and they told me yes and told me I can pay extra so if anything happens it would be covered for up to $18,000.

Asked on May 10, 2012 under Insurance Law, California

Answers:

MD, Member, California Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

You need to fight back hard and pour through your policy to ensure you indeed have full coverage and the insurance is supposed to pay. If it continues to disallow full payment, then you have a potential claim against the insurance company for bad faith coverage. In this situation, you need to file a formal complaint with the Department of Insurance in California and complain about bad faith coverage. If this route doesn't work, then you need to consider hiring an attorney. You need to make sure, however, that your car is indeed registered as a classic car.


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