Insurance Lapse And Denial

Summary

If your insurance company denies your claim due to an alleged lapse in coverage, you can dispute it by providing evidence of continuous coverage. File a complaint with the New York State Department of Financial Services if your insurance company refuses to cooperate.

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I was involved in a auto accident in New Hanpshire.I was not injured and have contacted several lawyers and if your not injured it impossible to get represnted.Im from N.Y. and was not at fault. I can prove that. My insurance is refusing to pay.They say their was a lapsecin my insurance.The police say i hit this individual and i have video proof i didnt.
What date did the accident occur and when did your insurance lapse according to your provider?
May 22nd I we
When did your insurance allegedly lapse according to your provider?
May 22nd
What evidence do you have to prove that your insurance did not lapse on May 22nd?

In New York, driving without insurance is illegal and can result in fines and license suspension.
I went to motor vehicle and they confimed i had insurance
What documentation do you have from the motor vehicle department confirming your insurance status on May 22nd?

- In NY, proof of insurance is required to dispute a lapse claim.
They stated and gave me a document saying thsaying that if their was a lapse in insurance they would of notified them
What is the name of your insurance company? In New York, insurance companies are required to notify the DMV if a policy is cancelled, lapsed or is not renewed.
Geico
What steps have you taken to dispute this with Geico?

In New York, you can file a complaint with the New York State Department of Financial Services if you believe your insurance company is not handling your claim fairly.
They simply refuse to cooperate
Have you considered filing a complaint with the New York State Department of Financial Services against Geico?
I dont know what to do.Their distroying my life and i an im defenseless
I'm sorry to hear about your situation, ****. Have you filed a complaint with the New York State Department of Financial Services against Geico?
No
You should consider filing a complaint with the New York State Department of Financial Services. Here's their contact info: *-*-*-*, www.dfs.ny.gov.
Thank you! Ill give them a call.
That's a good step, ****. Keep all your documents handy while you make the call. They will guide you through the process.