What do i do if i purchased insurance from someone that is not an agent?

What do i do if i purchased insurance from someone that is not an agent?

I purchased auto insurance and have recently found out that the person I delt with is not licensed in the state of VA. What can I do and is my policy any good? Someone please help me.

mbrcatz

You need to contact the insurance company, to see if the policy is any good. You ALSO might want to check up on www.ambest.com, to see the rating of that company.Then you need to contact your state insurance department, and report that - it IS insurance fraud to sell insurance if you're not licensed. Unfortunately, many of the policies are counterfeit, so that's why you need to contact the company, also.I'd report it to the company as well, btw.Source(s):agent, 20+ years

President

Contact your Local Department of Insurance, consumers need to check on the persons license number (which is required) before buying any policy. Remember lots of agents are selling outside of the country or in other states and employ foreign call centers, buyer beware!

Ralfcoder

Contact the company that issued the policy, and see if they are willing to stand behind it. Then ask who the local agent is, and see if that person will process a claim should you have an accident. If you don't like the answer to either question, get new insurance first, then cancel the old policy and ask for a refund.

markmywo

You may not even have valid insurance right now.You need to immediately contact the company to make sure the person you gave the money to actually paid the insurer for the policy.If they did, you need to verify with the insurer that the policy is indeed valid.Then, you need to contact the consumer division of your state's Insurance Commissioner's office or Insurance Department. Alert them that the person is selling policies without a valid license.This is a serious offense that undermines the entire industry.

Ask

insurance

Popular Q&A

What is DBA (Defense Base Act) insurance and how to make estimate?
As part of the bid for the work you're doing, they should have given you 'bid specs' which include exactly what insurance you have to have.You take those specs, to a local insurance agent.I've seen specs for contractors doing work on base. They include general liability including products...

Can the auto insurance company pay me directly for my medical expenses or do they have to pay the doctor?
Your medical insurance provider will collect from the insurance company of the driver who caused your injuries. This process is called subrogation. It is standard practice throughout the US.You are not entitled to dual benefit from your injuries. Go ahead and consult an attorney -- he or...

Do I have to purchase an AAA membership if I want to get AAA auto insurance?
johnlusf, For auto insurance the easiest method to get a free quote is do a auto policy comparison. Be sure to choose the same coverage amounts, you can get an accurate quote to compare against others. Use the same zip code, car make/model, mileage and driving history to make sure you get an...

What are some inexpensive, yet reliable auto insurance companies?
try mercury, aig, or progressive...get a free online insurance quote here...http://www.autoinsurancepros.netSource(s):http://www.autoinsurancepros.net

Organization or agency to advise me on difficulties with AARP and Hartford Auto Insurance?
Right, AARP has no influence. If you bought the insurance DIRECTLY from Hartford, you have no agent. Hartford sells directly, but they ALSO sell through agents. If you bought through an agent, go to your agent for help. Otherwise, you ARE your agent.Complaints to AARP are going to do NOTHING...