Isn't a new problem. Guy I use to chat with sold a Ford Compact Utility to a guy from out of state. Guy showed up with a certified check and loaded the tractor. Then went home and canceled the check. When the seller called the guy he was told "I'm from outta state you got nothing on me. The guy was wrong as the state police in his state when notified by the sellers state police of the theft by deception they went and arrested the "buyer" who told the cops "it's hidden, you will never find it". Wrong again.....seller got his tractor back even if he had to drive several hundred miles to get it and the Buyer spent some time in jail.
1, Your agent if thats who you talked to most likely has about 6 weeks training to be an agent. He most likely don't know what he's talking about! I had to go to a year of school and pass a test to be a licensed adjuster! Not all adjusters have to be licensed if they work for the company, the company license covers them so you may get bad advice there! If you know a lawyer nows the time to ask questions!
Case in point. A local kid took a test drive in a truck his uncle was selling. During the test drive the kid ran a stop sign and teeboned a car. The uncle had no insurance! Being a no fault state the other guys insurance covered his loss. The uncle demanded the kid pay for the truck. His mom was told by the agent that their insurance would not cover. Poor kid was working 2 part time jobs to pay his uncle and still trying to go to college! Mom had called her agent. On my advice she called the toll free number on her insurance card about a year after the accident and talked to the company not the agent........company paid the claim!
2. Read your policy!!! Read their description of theft and fraud! If nothing else contact your state insurance commissioner! If you have the cheapest insurance you can find you may have painted yourself into a corner! Ya get what ya pay for!!!!!
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Today's Featured Article - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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