Maybe it’s different in your state as insurance regulations are made at the state level, but in my state it’s contract law. The state approves the policy for use and the insurer issues and binds the policies. The insurer and the insured both have to comply to the terms and the applicable policy language in the contract. The policy will outline the coverage and situations where coverage will not apply. As long as the insurer is operating within the parameters of the policy contract they can deny coverage if applicable. If the insured disagrees they can file a complaint with their state’s department of insurance, but as long as the insurer is operating within the language of the contract the denial’s likely stand.

This is how it works in my state (Oregon). There are no absolutes with coverage and it always comes down to the policy language in the contract which has been filed and approved with the state.

You can believe what you want but it’s wrong. There are uninsured vehicles and drivers all over the place driving around and there is no requirement that insurance companies are required to force coverage on those vehicles.

The DMV receives insurance information from insurers. Insurers are also regulated by the state DOI. Don’t take it from me though, do your own research.

You could not be more inaccurate in your assessment.

Every policy is a contract between the insured and the insurer. In that policy contract the insurer outlines the terms of the coverages and any exclusions. These policies are reviewed and approved by each state in order for the insurer to use the policies.

Let me use an example for you. A person purchases insurance and pays the first monthly installment of their 6 month policy. The insurance company then mails the insured their proof of insurance for the 6 month policy period and declarations page. Coverage is contingent on the insured continuing to pay their monthly premiums. Let’s say the customer doesn’t pay after the first month and their policy cancels due to non payment. Should the insurance company be on the hook for the remainder of the original policy? The answer is no, the policy cancels due to non payment and there won’t be any coverage after the cancellation date despite what the proof of insurance says.

There’s really a laundry list of things that can trigger a coverage investigation. Typically they are from a lapse or cancellation of the policy due to non payment, an unlisted vehicle on the policy, or the policy was recently purchased and a claim came in within the first few weeks of the policy period. There are other reasons why their insurance company might be looking into if they will have coverage or not.

There really isn’t much that you need to do in the meantime. Since your vehicle sounds like it’s drivable I would wait for them to complete their investigation. If in the event they do not have coverage, you might be able to get your deductible lowered if you have UMPD coverage on your policy (uninsured motorist property damage). You would get your car fixed by your insurance company and they would collect directly from the at fault driver (if they don’t have insurance coverage).