Your Auto Policy Could Be Voided
Your auto insurance policy could be worthless, and you might not know it until you need it.
That’s not a scare tactic. It’s what just happened to a real person in a case decided by the Michigan Supreme Court last week.
A woman was injured in a hit-and-run. She filed a claim. Her insurer investigated and discovered that her garaging address was wrong and her son wasn’t listed as a household member.
Result: Policy voided. Claim denied. No benefits. Premiums refunded.
The court upheld it unanimously.
This can happen anywhere, not just Michigan. Insurers have the right to rescind a policy when application information is materially inaccurate. And courts are backing them up.
Four things that put your coverage at risk right now:
1. Your vehicle is garaged somewhere other than your listed address
2. Someone in your household drives your car but isn’t on the policy
3. You moved — even temporarily — and didn’t update your policy
4. A vehicle is used for Uber, DoorDash, or any business purpose
At Engage Insurance Group, we don’t wait for a claim to discover a problem. We’re in your corner before something goes wrong.
If it’s been more than 6 months since you reviewed your auto policy, reach out. Don’t leave it to chance. Let’s make sure your coverage matches your life. You can submit a policy change by filling out this form.
Engage Insurance Group is an independent insurance agency specializing in construction insurance and risk management. Learn more at engage-ins.com.