Ask a Law Question, Get an Answer ASAP!
Hi, welcome to JustAnswer. My name is*****’m a barrister with 12 years of experience and I am happy to help with your question today.
Sorry about your situation as this is deplorable and it happened to me once.
Are you asking if you are liable?
Yes, no problem. I can do this online.
I'm afraid that I can't give you particularly good news.
I am sorry as I know this is deplorable.
It happened to me once.
Although many people think they have a monthly insurance policy, they don’t. They have an annual policy which is paid monthly.
Once there is total loss claim many insurance policies come to an end and that is the situation that you are in. You have to pay the balance of the years premium and in return you get the insurance to deal with the value of your vehicle.
The cancellation of the insurance in the event of a total loss claim is not uncommon but they are only entitled to do that if it is in the terms and conditions which you agreed to when you took out the policy. You probably didn’t read it but you need to ask them which term it is which says that.
Im very sorry.
Can I clarify anything for you?
I am very sorry.
Please remember to rate my answer.
Remember that I am always available to help with your questions. Even if I am in Court I will usually pick up a question within 12 hours. For future information, please start your question with ‘For Jo C’. You can also bookmark my profile http://www.justanswer.co.uk/law/expert-remus2004/