Auto Policyholder dies naming son as legal representative/executor . . .

[TinkerBell4]

South Carolina

The father dies in June 2009 and the policy ran out September 2009. However the auto insurer has been accepting premium payments made by the son all the way through January 3, 2012 (this year).

I would think that by accepting premium payments from the executor of the insured, the insurer has ratified that there exists a policy (that the policy was renewed).

Please give me any feedback.

 

[Zigner]

Was the insurance company properly notified of the death?

 

[sandyclaus]

Was the insurance company properly notified of the death?

Precisely. If they had no idea that their policyholder was deceased, then of course they would have continued to accept premium payments. Why wouldn't they?

If the insurance company had been properly notified of the death of the policyholder, then it would most likely have cancelled the original policy and requested that any additional insureds obtain insurance coverage of their own.

Sounds to me like OP is an additional insured under the policy who failed to notify the insurance carrier of the death, and whose claim for coverage was denied due to the death of the policyholder.

 

[ecmst12]

The policy was in effect for the original owner, the death and change in ownership of the vehicle were changes that needed to be reported so the carrier could review and re-rate the policy accordingly.