Bron Vidakovic

Question: Car Insurance - PLEASE READ!?

In 2004, I saw a car that I wanted to buy at a Nissan car dealership and I took out a loan. At the time I didn't know anything about insurance. It was all greek to me. I was very young and had no one to help me out. Anyway, I went to American Family Insurance and the agent seemed very nice. I told him that I wanted to buy this car and before I could finalize everything I had to show proof that I had full coverage on the vehicle. He told me that I most definitely had to get full coverage and I signed the paperwork, gave him a check and my insurance coverage started. I NEVER CHANGED MY COVERAGE!! (Let me make that clear). So 1.5 years later my car slid on the ice and another lady thought she could speed to get around me and she instead hit me. The officer stated that none of us were at fault because I was sliding when I should have been in control of my car and she should have never tried to pass me so we would each be responsible for our own damage. Right away I called my agent and he later called me back and stated I didn't have collision coverage and I would have to pay out of pocket for my damage. Again, I didn't know anything about insurance and I had totally forgotten that collision was required so I believed this guy. I left it at that but was very upset with him because he stated that I didn't have collision coverage and I told him that as a professional insurance agent, he should have told me that I needed full coverage on this practically new car!!! So, 6 months later, it was still bothering me and I left him. The car wasn't drive-able (I had to pay $600 just to fix something with the wheel mount) and then it was drive-able but there are dents in the car and damage that equals $2,000 to fix. That may sound cheap to some of you but it isn't to me. Just 3 days ago, I was telling this story to someone and they told me that I should have had full coverage on the vehicle and I should look into this. I called American Family and a lady is doing some investigating because she could see I had insurance on my car in 2004 but didn't know what kind. But, she confirmed that my car was under a lien and the insurance agent would be required to put me on a full coverage in the state of Wisconsin. So, this lady stated she would call me back on Saturday. In a perfect world, she could state either 1). You had collision coverage at that time and your car will be fixed at our expense or 2.) Your agent never put you