Complaining about my insurance , they dont want to pay me for my claim

You have wrong website. This is a repair forum

as far as i know if garage is at fault then their insurance should pay up, file a claim with their insurance or phone your insurance to find out, if they dont have insurance...then good luck.

I can't put a value on your vehicle without seeing it , but at 11 years old it probably isn't worth a huge amount, no offence , it depend's what the exceptions are on the insurance , whether the service schedule is upto date etc , So get a valuation on your vehicle and weigh up whether paying $606 a year seems good value for what they cover , mileage is usually a big factor when these insurances are claimed on also , hope this helps , good luck

If you think you have a valid insurance claim that was not attended to promptly and have been unfairly dealt with, you can always contact the state insurance department and file a written complaint for their investigation /resolution.

To an insurer it might look like a scam but it is unlikely they have the right to say they won't pay. You both need to read the small print of your insurance policies; your sister to discover if there is a specific clause allowing the insurer to duck out of a claim at the same address and yourself to discover if your insurance includes any legal protection where your insurer would sue your sister and/or her insurer.

If the damage isn't great or expensive it might be better for your sister to pay you directly if she has any no-claims discount to lose.

Before you become too distracted it is wise to place a description and all the details of the incident on paper and include plan drawings and photographs of the damage and the scene.

If her insurer doesn't have a specific clause then I suggest you proceed with a claim regardless. Make the claim in writing and have it delivered into the hands of the Claims Manager at the company office.

If there is a clause allowing them to refuse to pay it will give you no choice except to forget it or to sue your sister...

You insurance company will likely decline to insure the second home as you have no Certificate of Occupancy which tells them it was built to code and thus meets minimum safety standards. I doubt that they would "rat you out", though. You could always go to the local building official and apply for an "after the fact" permit. This will likely entail your having to expose wiring and foundation components etc., but at least you can get it insured once you have the C of O. This obviously has a potential downside, especially if you have zoning issues like setback requirements or too many structures on the property and so forth.
Best of Luck.

You have to keep up your payments, regardless. You need to fight with your insurance company about their failure to pay the claim. Unless they have reason to suspect YOU of the theft, they have to pay, that's why we buy insurance. Call a lawyer

Do Not Call The Other Party. Have The Claims Adjuster Do There Job And Write A Estimate On Your Car. If Not Take Your Car To Three Or Four Body Shops And Have Them Do One For You. And Send The Estimates to the insurance company