Court: No Insurance Coverage in South Dakota Crash That Hurt 4 Boys

By Chet Brokaw | April 22, 2013

  • April 22, 2013 at 1:38 pm
    TxLady says:
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    First, very sorry for the families, glad their children did survive.
    How much clearer does a notice of cancellation have to be than to give a date and an exact time of cancellation if you fail to pay the premium? That is pretty darned clear to me. Does it need extra wording, i.e honest, we really mean it, if you don’t pay XX at xx date/time we WILL cancel you, even if it is a Sunday? Anyone in insurance knows she got a renewal and a bill, then a notice of cancellation when that bill was a not paid.
    This woman is where she needs to be, in jail.

  • April 22, 2013 at 1:42 pm
    DW says:
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    I feel for the children who were hurt. I hope that this women is ordered to pay for the rest of her life (or until she pays what is owed) since she was uninsured. The court appears to have gotten it right this time though.

  • April 22, 2013 at 1:53 pm
    Chad Balaamaba says:
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    some info on the true severity of injury would have been nice, but the kids should be eligible for UM coverage within their own HH if they are a member of a family with a vehicle and insurance…since the driver was uninsured.

    Odds are this was a very expensive month to month policy, wouldn’t be surprised to see the driving record was very poor…hence she missed a payment. Don’t feel sorry for her…hope the kids injuries were not too bad.

  • April 22, 2013 at 2:17 pm
    Fanucci says:
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    My prayers go out to the families of the children that were injured by this person. The courts go this one right. A Cancellation notice was mailed out to this person that her insurance coverage would be cancelled on the date indicated. All Cancellation notices are sent out with plenty of warning for the person to pay their premium for insurance. This person belongs in prison, and should begin to pay the families for their children’s injuries.

  • April 22, 2013 at 4:51 pm
    Blondie2 says:
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    “Bradford got an automobile insurance policy in March 2007 with an expiration date of Sept. 23. The insurance company sent her a renewal notice in September saying her policy would expire at 12:01 a.m. on Sept. 23 if she did not make a payment.”

    I didn’t see anything about a cancellation notice; just a renewal. Apparently, this insurer doesn’t allow a 10-day grace period.

  • April 22, 2013 at 7:36 pm
    Good Hands says:
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    Tragic for the boys hurt here.

    The renewal was probably issued on a self-cancelling form as Alpha is a non-standard carrier. Don’t pay the renewal, no problem. Have a Happy Life, we assume you handled your insurance elsewhere.

    As far as the renewal date being on a Sunday, what is wrong with paying it on Friday? Or Thursday? Let’s use some common sense!

  • April 23, 2013 at 2:41 pm
    Shari says:
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    @Blondie2 – Don’t know of a single P&C carrier that gives a grace period.

    • April 23, 2013 at 4:01 pm
      companyman says:
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      Many companies offer a grace period at the renewal, but it only applies if you pay your premium. (This was established years ago due to mail time. By putting it in mail and postmarked on the 22nd you have effectively paid the premium) So if they receive the premium 2 days after the renewal date they will apply the premium to the full term with no lapse. Try and pay 11 days after and she has a lapse and no coverage for that 11 days. She didn’t pay.. no grace period..period.

  • April 23, 2013 at 3:29 pm
    Bluemax says:
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    I hope this is not changed. Underwriting and policy terms are factored into premiums charged but it would be immpossible to calculate a cost of a policy changed by the court after the claim.

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