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How do you avoid your car being totaled by the at fault guys insurance company?
Wiki User
∙ 10y ago
You can't really avoid it unless you can find a place that will repair the vehicle at the amount the insurance company says it is worse. They have standards to determine a total loss that must be met.
Wiki User
∙ 10y ago
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Does your insurance company pay for your car?
If you carry full collision and replacement of your vehicle, depending on your insurance company, they will pay the blue book value of the car if it is totaled. That is why it is important not to ever owe more than the car is worth, which is referred to as "being upsidedown."
Your car got totaled will the insurance company pay for it if though the inspection sticker is expired?
Yes. The reason being is insurance covers the car not the person. So whether that person chooses to drive around with an expired license or an expired plate sticker is on them. You will still get a ticket for those violations, but you will have insurance and the insurance company will abide by everything in the insurance contract.
Can you force your insurance company to fix your motorcycle if they assess it as being totaled due to it being valued at 4500 and the repair costs being 3900?
Sorry but no you can't. The insurance company have the option of repairing it or totalling it. Since the value of the bike is more than the cost and they want to give you value of the bike, why not take it? And if you really want to repair the bike you can then buy the bike from the insurance, who now owns it, and then have it repaired.
How do you sue someone at fault in an accident if they have no insurance at all and can you sue them personally to pay for your car being totaled?
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How does car insurance determine value of car?
It is important after you have an accident and your car becomes useless as your insurance company will have to pay up. Has your car been "totaled" by the insurance company claims adjuster? Is it now being towed to a salvage yard because it has been rendered unusable in an accident? The laws of states vary somewhat, but typically there are state laws involved with "totaled" vehicles in order to keep unsafe "junk" from being driven on public highways. Part of each insurance companies procedures must follow the state statutes in order to comply in the claims process. For more information read the source link below
What will happen if you cant pay back a tile loan and you junked the car?
If you can't pay back the title loan from a pawn shop due to being totaled and you got a cut check from your insurance company, I suggest you use that check to pay off that loan to avoid a lawsuit because the pawn shop will not see that insurance check you got from the totaled car. If you don't pay them off and they know the car is totaled, then they will come after you in civil court for the amount of the loan + damages + fees. If you got no check from the insurance company then they will just come after you for the loan. They do not fully own the vehicle because you did not sign over the title to the pawn shop. You are not allowed to sign it over to them unless you are really selling it. Some states do allow this but check with your state laws about it. All they are going to do is file a lawsuit against you for the amount of the loan unless you made payment agreements with the Pawn Shop which I would do.
Insurance company totaled vehicle and resold to salvage place but didn't change title and 6 months later car is being driven and stil in my name. What are my legal options?
Did you sign the total over to the insurance company and have proof of the total payout/paperwork? If so, contact the insurance company and demand they switch the title over immediately and then report them to your state insurance commission and the DMV! The person driving your old car is in trouble too for not registering the car within 30 days of purchase.
What do you do if you have full auto insurance coverage and your car breaks down and is totaled?
Automobile insurance, in most cases, does not cover mechanical breakdown. If your car is not worth repairing from a mechanical breakdown and you are able to replace it within a few weeks to a month I would suggest keeping your insurance policy active. This is to avoid having a lapse in insurance coverage which could result in higher insurance premiums when you get another car.AnswerYour car breaking down, and your car being totalled are 2 separate considerations. If your car mechanically breaks down, there is no coverage. If the car has been totaled in an accident, there may be coverage. I guess, more specific info is needed.
Can you just keep the check from the at-fault driver's insurance company?
If the car is being repaired, no. Usually they will require one signature from you and one from the shop of your choice, usually the shop is agreed or decided upon prior to check issuance. If the car is totaled, the insurance will pay you up to your cars book value and you're free to do whatever you wish with the money.
If Someone hit your car do you claim it on your insurance or theirs?
If they admit fault and their insurance company says they will pay for everything then it's been my experience that you get a choice. If you work through your own insurance company they may withhold your deductible amount until the other insurance company pays up. I believe that it makes sense to just work with the other guy's insurance company. They'll make an offer (if it was totaled) or ask you if you have a body shop preference and to take it there and they pay the bill. The deductible amount is not a factor since the other party is at fault. In fact, I'm not sure why this isn't just standardized and made the common way to handle it, with the exception of if you believe that you're not being treated fairly.
Who is responsible for damage to car when being towed by company car?
towing company should have insurance
Why do I need my own coverage if I also have company vehicle insurance?
The companies insurance will protect them from being sued but not you.
