Question
My agent didn't add the correct insurance coverage
I am a TLC Driver in NY I have TLC insurance they told me I was paying for full coverage but my coverage only says Liability and I finance my car. I got into an accident and now they say they won't cover me I have emails asking if they could take my off full coverage but they told me they cant cause I owe money to the bank. After the accident they tell me I was always on Liability. I am so confused and scared.
Answer
Sorry to hear about your situation. Most agents have binding authority with their carriers and if an agent marked anything that states you have full coverage I would obtain it. If you were on full coverage it would state so on the application you signed to start the policy. I'm a bit confused how they would ask you to remove coverage and at the same time state you never had it. If you believe someone misled you I would contact your states department of insurance.
Best wishes and I hope this is resolved quickly for you