MARCH 19, 2015
TULSA, OKLAHOMA
It’s a common problem that Oklahoma drivers face on a daily
basis.
However, a Tulsa man says a large pothole severely damaged
his car.
Angel Cancel said his wife drove over a massive hole along
the road, damaging their car’s strut.
Cancel has full coverage on his car with USAA, so he called
the company to see what he needed to do to get the car repaired.
In November, he says a representative with the insurance
company told him to get a few estimates.
A week later, an adjuster arrived to assess the damages.
After months of back and forth with USAA, Cancel received a
letter from the company, denying his claim.
“When you pay full policy, full coverage, you just figure,
hey, they’re going to take care of me,” he said.
However, officials say that is not the case.
“There is a general belief that when you have full coverage,
everything is covered. But there are exclusions with every auto policy,” said
Michael Rhoads, with the Oklahoma Insurance Department.
The most common exclusion is mechanical or electrical
failure, which is the reason USAA denied Cancel’s claim.
Cancel says the damages were caused by the pothole, not a
problem with the car.
After reviewing the case, Rhoads agrees and they are now
investigating the case.
A spokeswoman for USAA told KJRH that they will take another
look at Cancel’s case.
In the meantime, the Oklahoma Insurance Department says you
should read over your policy and know all of the exclusions.
Source: http://kfor.com