Self-service portal should catch this too. It’s neglect on the insurers side. They have superior information on what is normal and customary and can flag unusual policies for confirmation.
I just got a new car, the dealership handled the insurance transfer. It was on us to separately verify current vs. desired coverage separately. Not sure this is the norm though.
Ultimately it’s the insurer’s product. They should verify everything, especially if they’re allowing third parties to input policies. They can easily flag outliers.
Very true. And customers should always check on things too. But I can also understand how a customer that goes with the flow of a car dealership smoothing through these things (when they should be more deliberate about) doesn't realize what's happened.
That abstract scenario aside, it's pretty bad that the insurance & dealership didn't flag anything in this issue when the Tesla was purchased. Even if they only gave a pro-forma "do you want to keep your current level of coverage?" It's bad... they're the experts on these things and should advise customers appropriately.
