Contract law question

[Powerdrive]

I’m doing a GAP insurance claim and they’re requiring a copy of the crash report. Per the contract, it just says copy of the crash report. It doesn’t state that is has to be certified or unredacted. I submitted and uncertified redacted copy. The GAP insurance company is giving me grief.

Per the contract I’ve fulfilled the requirement. Would I have a case if they denied my claim because I gave them an uncertified and redacted copy of the crash report?

[sketchball82]

This is an interesting legal question and would likely take research to answer it.

That being said, ARE YOU FUCKING SERIOUS? Hypothetically, if you do sue them, and if they do opt to proceed to litigate, they would trivially get a true copy of the document from its issuer anyway (police). You’re asking if you should spend a shit ton of money to throw up a stone wall. If that document has something in it that would invalidate your GAP insurance, you would lose the lawsuit because there were no damages. And if it doesn’t, you’d only get half as much because you’re paying for a litigation out of the money. The answer here is simple. Give them what they asked for.

The crash report must have something condemning in it. DUI?

[Fizley]

Insurance companies are large companies who have a list of procedures for their employees.

Think of it as a check the box list.

Once you check their boxes you get the reward assuming your entitled to the coverage.

Remember, you want their check.

[oldbutstillgoing]

Insurance companies are very good at what they do. You just sent up huge red flags. The only reason to play your game is there is something incriminating in the report. It's public record. They can get it if they want . I would wager 99% likely they will not have to pay the claim. Send the what they asked for or drop your claim

[JRLawrence]

Originally Posted by Powerdrive

I’m doing a GAP insurance claim and they’re requiring a copy of the crash report. Per the contract, it just says copy of the crash report. It doesn’t state that is has to be certified or unredacted. I submitted and uncertified redacted copy. The GAP insurance company is giving me grief.

Per the contract I’ve fulfilled the requirement. Would I have a case if they denied my claim because I gave them an uncertified and redacted copy of the crash report?

Gee, a certified copy of an accident report is a couple of dollars. It is usually available at the local police office after a week or two. Just go to the window at the police department and pay the money. It is a pain in the ass, but most businesses experience this several times a year. I also have to go see a notary several times a year; usually to get paid for some contract.

[kehaar]

The key statement in the questions was "redacted". He doesn't want to show the insurance company something.

A redacted report isn't the report. If he had originally submitted an unredacted, but uncertified report, it is very likely there would not have been an issue. Now, the agent senses something wrong.

Just my take.