Friend of Leo's
- May 3, 2018
- Northern Virginia
That's right: Ins. Co. accepted payment for 2.5 years' of coverage there was no way they could have provided. No recourse.
The insurance company was paid to insure a car, and that car was insured. The fact that the kid's parents didn't know they didn't need that insurance anymore isn't the insurance company's problem any more than it's your cable company's problem if you move and don't cancel your service.
The documents for every insurance policy I've ever held put the onus on me to inform the insurance company of there's a change that affects coverage and, therefore, my monthly premium.