'I feel horrible': Ontario man denied theft coverage owes $55,000 for stolen truck
'I feel horrible': Ontario man denied theft coverage owes $55,000 for stolen truck
An Ontario man said he was shocked when his truck was stolen not once but twice, and the second time it was taken he was surprised to discover he was no longer covered for theft.
"I feel horrible. Had I known that the insurance company had canceled the comprehensive coverage I would have gone to another company," said Roger Sodhi of Toronto.
Sodhi said when his 2021 Ram 1500 truck was stolen in February of 2022 police found the pick-up badly damaged in Montreal and his insurance company agreed to tow it back and repair the damages that happened during the theft.
Then, the same truck was stolen again in September.
"It got stolen again a second time. I guess they really wanted it bad, it must be in high demand these Rams” said Sodhi.
The second time Sodhi's truck was stolen his insurance company advised him he was no longer covered for theft as collision and comprehensive coverage had been dropped when his policy renewed in April after the truck had been stolen the first time.
Sodhi is with Desjardins Insurance which said it assured him he was informed by letter and on the phone that changes had been made to his policy.
"The insurance company apparently sent a notice to me that they had canceled it (comprehensive coverage) but I never got anything," said Sodhi.
Sodhi said he still has a loan on the truck and owes the bank $54,350.
“It’s painful to be paying for something you don't even have," said Sodhi.
CTV News Toronto reached out to Desjardins Insurance about Sodhi’s case and a spokesperson said, “Due to privacy reasons, we can’t discuss details of an insured’s policy. However, I can confirm that in a registered letter dated April 7, 2022, the client was informed of the decision and reason to remove certain coverages from his policy at renewal. Unfortunately, since the claim for vehicle theft was made months after on September 28, 2022, no coverage was applicable.”
The Insurance Bureau of Canada (IBC) said that insurance companies can modify coverages and make changes to a client’s policy but they must make sure the customer is made aware of the changes.
“Insurance companies have to give written notice to a policy holder when they make these type of changes," said Anne Marie Thomas, Director, Consumer and Industry Relations with IBC.
Thomas said it’s important to always pay close attention to any correspondence received from your insurance company, especially if it comes in the form of a registered letter.
“If a letter comes registered that means the insurance company is wanting to make sure that you get the information and they want proof you have received it," said Thomas.
Sodhi is adamant he didn't know his coverage had changed and is shocked he still owes more than $50,000 for the stolen truck.
You should never ignore any correspondence from your insurance company and always double check your policy at renewal time for changes in case you need to find coverage somewhere else.
Canada's special rapporteur on foreign interference David Johnston will be questioned by MPs at committee Tuesday morning, about his role, his report into election meddling, his decision against a public inquiry, and allegations of a conflict of interest.
Prince Harry entered a courtroom witness box Tuesday, swearing to tell the truth in testimony against a tabloid publisher he accuses of phone hacking and other unlawful snooping.
Canada's emergency preparedness minister says images of wildfires burning across the country are some of the most severe ever witnessed in Canada and the current forecast for the next few months indicates the potential for continued higher-than-normal fire activity.
Many Canadian parents are stretching themselves thin — even going as far as to postpone their retirement in some cases — in order to help pay for their children’s education, according to a new survey.
The wall of a major dam in a part of southern Ukraine that Moscow controls collapsed Tuesday, triggering floods, endangering Europe's largest nuclear power plant and threatening drinking water supplies as both sides in the war rushed to evacuate residents and blamed each other for the emergency.
Police in Australia are investigating the suspicious death of a woman who used to live in Surrey, BC, after her body was found in her apartment on the outskirts of Sydney.
Pope Francis briefly went to Rome's main hospital on Tuesday for tests and returned to the Vatican, two months after he was hospitalized with an acute case of bronchitis.
Astrud Gilberto, the Brazilian singer, songwriter and entertainer whose off-hand, English-language cameo on 'The Girl from Ipanema' made her a worldwide voice of bossa nova, has died at age 83.
Canada’s housing market saw the largest improvement in affordability in nearly four years in the first quarter of 2023, according to a report from economists at the National Bank of Canada.
A 53-year-old man was shot and killed in the Montreal suburb of Dorval on Monday afternoon. A source told CTV News that the victim is Francesco Del Balso, who has links to Montreal's Mafia.
The numerous forest fires raging in certain regions of Quebec have led to thousands of evacuations since the weekend and continue to threaten infrastructure on Tuesday. Temporary accommodation centres have been opened in nine municipalities on the Côte-Nord, in Abitibi-Témiscamingue and in Saguenay-Lac-Saint-Jean, to accommodate evacuees.
The Quebec national assembly's ethics commissioner Ariane Mignolet argues that the fact that MNAs are debating their own salaries can raise issues of conflict of interest.
On this day in 2021, four out of five members of a London, Ont. family were killed while they were out for a walk and struck by a vehicle, in an apparently deliberate attack.
CTV cameras captured the moment London, Ont. firefighters discovered a sparking lithium battery pack in a charred apartment at 122 Base Line Rd. W. Sunday.
There was emotional testimony on Monday from the husband of the woman killed in a crash in south London, Ont. almost four years ago. Paul Kay testified about the last moments in the life of his 68-year-old wife, Penny.
Flames and smoke could be seen shooting out of a home on Graham Street in Waterloo shortly after midnight on Monday, creating a scene that firefighters say was intense before they arrived.
A grieving widow whose husband was run over and killed by a speeding OPP officer can't believe the force told her it won't hold a public hearing into the case because it decided the misconduct was 'not serious.'
Canada's emergency preparedness minister says images of wildfires burning across the country are some of the most severe ever witnessed in Canada and the current forecast for the next few months indicates the potential for continued higher-than-normal fire activity.
Officials are asking people living around Centennial Lake to evacuate their homes as a forest fire burns in the area west of Calabogie, Ont. An evacuation order has been extended to Wednesday afternoon.
Officials are asking people living around Centennial Lake to evacuate their homes as a forest fire burns in the area west of Calabogie, Ont. An evacuation order has been extended to Wednesday afternoon.
Capital Pride will be receiving money from the federal government to cover costs of added security measures at this year's Pride parade and other events.
Buses will run during festival hours on Thursday, Friday and Saturday with final pick-ups at the Vollmer Culture and Recreation Complex just after the festival closes.
Windsor police are looking to identify a suspect who allegedly sexually assaulted a teenage girl and stole from her at a Walkerville park Saturday night.
Police in Barrie say another unsanctioned truck rally held in the city's north end over the weekend drew hundreds of participants and onlookers in a "chaotic scene of disrespect and total disregard for private property."
Canada's emergency preparedness minister says images of wildfires burning across the country are some of the most severe ever witnessed in Canada and the current forecast for the next few months indicates the potential for continued higher-than-normal fire activity.
Calgary-based Cenovus Energy says it has safely restarted a portion of its production that was shut down because of the threat of wildfires in northern and central Alberta.
A Ukrainian woman who now lives in Winnipeg is hoping one day she will be able to bring her husband's remains to her new home, a place he hoped one day he too would be able to call home.
Manitoba Public Insurance is suing the Manitoba government, a Manitoba construction company and an unidentified employee for more than $31,000 saying road work damaged 12 vehicles in 2021.
The provincial wildfire service is warning British Columbians to have a go-bag and make an evacuation plan with this year's wildfire season off to an alarming start.
Real estate experts say B.C.’s housing market is heating back after cooling off due to rising interest rates but the future is uncertain as several economists expect the Bank of Canada to hike rates again.
Police in Australia are investigating the suspicious death of a woman who used to live in Surrey, BC, after her body was found in her apartment on the outskirts of Sydney.
Canada's emergency preparedness minister says images of wildfires burning across the country are some of the most severe ever witnessed in Canada and the current forecast for the next few months indicates the potential for continued higher-than-normal fire activity.
Edmonton police launched a new tool Monday to encourage reports of "hate incidents," something officers believe will help them track people who may escalate to "hate crimes."
Many Canadian parents are stretching themselves thin — even going as far as to postpone their retirement in some cases — in order to help pay for their children’s education, according to a new survey.
