How much will you have to pay to get your car back if it was totaled and the insurance company turns down to pay?

How much will you have to pay to get your car back if it was totaled and the insurance company turns down to pay?

How much will you have to pay to get your car back if it was totaled and the insurance company turns down to pay?The insurance company will pay you the worth of your car minus your deductible.

If you owe more than the value of a car that was announced a total loss how much does the insurance company pay?

Typically the insurance companie will pay the cost of the vehicle at the time of loss, they will not pay anything more. If you purchase a vehicle that is higher than blue book, then consider gap coverage to help with this type of situation.

What do you do if the insurance for a totaled car does not pay off the car loan?

I faced the same thing about a year ago. The insurance company did not want to give me what was needed. I got on-line and found many cars that were just like mine and displayed them that my car was worth more than they were wanting to give me. They still did not want to give me what the car was worth. So I went to puny claims court and filed suit on the driver of the other car. The person’s insurance has to represent them. Also go and look at the comps that the insurance company are using for your car to see if you can substitute the car for what they want to give you. ResponseUltimately it is your responsibility that you either made low payments, took out a very long loan, or picked a car with high depreciation. The insurance company is not liable for the inflated amount you owe–only what the car is worth. ReactionThe insurance company will only give you the value of the vehicle, as per the “Kelly Blue Book”. They will also send an appraiser out to see what the condition of the car was, as in mileage, any previous harm. If the accident was another driver’s fault, you have to sue him and/or his insurance company for the remaining balance.Whatever you borrowed to obtain the vehicle wil always be more than the car is worth. You have already lost money on it as soon as you drove it off the car lot. But do your research. Go online for “Kelly Blue Book”, and get the estimate of the car’s value. If it is more, then dispute it with the insurance company. Print the page out. ResponseWhen you bought the car fresh or used from the dealer you had the option to purchase something called GAP INSURANCE from them (the Dealer, not the insurance company) for your exact situation. If you did not have enough equity in your car for the insurance pay off to cover it AND did not have gap insurance. basically you are screwed and responsible for the rest of the loan amount car or no car. Some people believe Gap insurance is a rip off so they do not suggest it to you and some just don’t know what it is. They do not need to be selling cars. Not fair but the way of life. Father is an insurance sales man. I also had a doll hit me I had GAP insurance and she did not. She still had to pay off the balance on the loan even tho’ she did not have the car. The courts won’t do much because you had the option to purchase gap insurance and you did not, it does not matter that you did not know.

Do you have to keep making your car payments when the car is totaled and you are in the process of suing your insurance company to pay for the car?

Yes. Unluckily yes. Even if you lose your lawsuit and are left with a uselss car you still have to pay off the loan or default on it and let the dealership reposess it. Even then the dealership will ruin your credit and charge you for the remainder of the loan minus whatever they sell the car for, which won’t be close to it’s value. Bottom line, pay it or file bankruptcy or find a good lawyer that know a debt dispute loophole .

What do you do when the other driver’s insurance company rejects to pay?

Gather up all your documentation , then file a puny claims case against the driver in the county they live in . If the courts rule against them , then their insurance will pay you . I have done this procedure already and it works . You could certainly go to puny claims court but it is risky. If the other party is insured, their insurance is obligated to provide them with a legal defense which means that they are going to have an attorney and you won’t. You could get an attorney yourself but but that will likely cost way more than it is worth. 1.) If you are not hurt, it is going to be indeed difficult to find an attorney to take the case because the money will be too low. Two.) Any attorney that would take the case is going to be unwilling to actually take the case to trial because it would cost more to file suit than the case is actually worth. Instead, the attorney is going to negotiate the claim and take a diminished settlement. then the attorney is going to take a 1/Trio of the money they collect ultimately taking even more money away from your repairs. Three.) When an attorney gets involved in an insurance claim, it sets off a series of warning signals to the claims adjuster and they are going to treat the case differently. Namely, they are going to hire an attorney to deal with your attorney and the entire thing is going to be drug out over years. Recall, insurance adjusters get threatened with lawsuits everyday. They are not afraid of attorneys. It is a large part of their job. All of this is going to result in you waiting for a indeed long time to get a disappointing recovery. There is an alternative to getting an attorney however. You can hire a subrogation company that is a member of “inter-company arbitration”. The subrogation company can file arbitration against the insurance company and force them to pay the total amount of the repairs. I did this through a company called Cerberus Subrogation Professionals. www.cerberussubro.com It went indeed well. I didn’t have to take a diminished settlement. I got the utter amount I was seeking and it was way quicker and way cheaper than getting an attorney. As far as I know, Cerberus was the only subrogation company that I could find that is member of arbitration. That is significant. If the subrogation company is not a member of arbitration they can’t file against the insurance company.

If a car that was reported stolen hits your car why would the stolen car’s insurance company reject to pay for damages?

Most likely because the holder did not exercise normal precautions and by leaving the keys in the vehicle actually participated in its theft. Call that lawyer who advertises on TV. If he can’t get the insurance to pay, he’ll get a judgment against the possessor. The possessor of a stolen vehicle is not responsible for the deeds of the thief that stole their vehicle. If there is no liability on the possessor, the insurance company does not owe the claim for property harm to others.

Does an insurance company have ownership of the vehicle after they pay for your total loss?

If you lodge a total loss with an insurance company & choose not to keep the car, you have to send them your signed title and release possession of your vehicle to them in order to be paid for the claim. You do have the option of retaining it for less settlement money (due to salvage value and, in certain states, license & fees, taxes, etc…If you choose to retain, you will still not be paid for the repair of your vehicle, it is still totalled. Depending on the state, you also must get a salvage title on the vehicle until you have had it repaired & probed by the state to be deemed roadworthy before applying for a rebuilt title.

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If your car is announced a total loss how much will the insurance company pay back to you if the car was purchased below book value?

Regardless of what you paid for the vehicle, in most cases,if your vehicle is deemed a total loss, you will be paid the local market value of your vehicle. If you happened to purchase your vehicle for less than that, you lucked out:)

If you have total coverage how much will your insurance company pay you for your stolen car?

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Coverage on a Stolen Car .
Most insurance companies will only pay the blue book value of the car at the time that it was stolen. Check the Kelley Blue Book or the National Automobile Dealers Association for approximate values.

If you total your car in an accident can a insurance company pay below low blue book?

Reaction .
Each situation is different and there is no definite response to this because there is no stardard but Yes there is a possibility.

What happens if you have an accident and your insurance company rejects to pay?

Response .
Many health insurance companies suggest what is called “Pay and Pursue”. Meaning, your health insurance company will pay your hospital claims and pursue the automotive insurance for the rest of the money. It is possible that you may have this type of plan. If that is not a possibility to you, you could entertain the possibility of legal act. It might be far less costly and stressfull to contact your insurance company very first.

If your daughter’s car was totaled by an unlicensed driver running a stop sign can the insurance company turn down to pay because the car was insured under her mother’s name?

Response .
The company will not admit liability….but they may still pay. If the unlicensed driver was operating the car with the parents permission…the parents are liable. The parents are liable for the deeds of any minor child…so if the child is youthful and I mean not driving age…they better get the company to step up and pay whats fair to you. If the parents say…No we did not give permission, you don’t give up…get a lawyer and take them to court. Doing so brings in the insurance company…and it will get lodged. I know of parents who excluded the daughter, or son from their policy…exclusions are written agreements , signed at the insurance company , that the parents don’t want a driving aged kid coverd by their insurance. ( The rate is cheaper-No kids) Later the parents let the kid get a license, and routinely let the kid drive the cars…exclusion still in effect. CRASH goes the kid…The company does not owe for even the collision harm to the parents fully covered auto…because the kid did it…and the exclusion states they are not liable for anything the kid does…HE IS EXCLUDED FROM ANY AND ALL THAT THE KID DOES. The Parents Owe…they knew, they let the kid. SO, Take their house, the boat , the summer cottage, and whatever else it takes to cover what they owe..
Response .
Don’t get your hopes up, if the parents say the driver did not have permission, you most likely won’t win in court period. The policy is pretty specific about this and people driving the vehicle without permission are not covered period. You may have a hard time finding a lawyer to take the case. Best bet is to have your own insurance pay under Uninsured Motorist coverage. Claims under this coverage should not be held against you and your rates should not go up..
Reaction .
Your insurance company should pay you for the total, assuming you had comprehensive/uninsured motorist coverage. Let them battle it out with the other party’s insurance company, it’s not your problem. That’s why you have insurance!

Will car insurance pay for a car totaled in a DUI accident?

Reaction .
It should. If the “at fault” vehicle is insured, it’s supposed to cover the victim’s vehicle 100%. If the “at fault” vehicle has comprehensive and collision insurance that insurance is supposed to cover the at fault vehicle up to the deductable amount.Note that the inebriated driver will liberate his insurance and be required to get the VERY expensive DUI “insurance endorsment” since he/she is now in the highest risk bracket..
BTW, when a toasted driver causes a collision it’s not called an “accident”. Accident is when things just happen. Driving tipsy is the CAUSE of the collision and as such the collision is not called an accident. Call it a wreck, crash or just about anything else that takes away the implication of a random act.

How much will you have to pay to get your car back if it was totaled and the insurance company turns down to pay?

What does the insurance company have to pay if you total your car with utter coverage?

Response .
They pay whatever the value is of your vehicle less the deductible..
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The value they pay, in most cases, will be the trade-in value or average private sale value. Not enough to substitute the car even when you add the deductible..
Reaction .
anything you do with the car or any one else but beware when claiming on insurance they will charge you more next time

If someone hits your car and they’re at fault can their insurance company deny to pay if you don’t have insurance?

Response .
in some cases this is true but you should get a lawers help incase you end up injured and not know it yet?? leagal help is always nice in these cases plus there help is advice is free there time cost…..
Reaction .
absolutely not, this has happend to me. if they attempt it get a lawyer asap. i did not risk it. got a lawyer and about 25 thousand dollars.

Can carriers raise your premiums for a serious accident where your car is totaled and the insurance company pays for your car but the insurance investigator ruled that the accident was not your fault?

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Response .
yes if your ins.co. pays for your car..
They CanEven if they don’t pay for your car. My agent warned me that my homeowners premiums could be raised just for filing claims! They used to send an adjustor out automatically if there was a hailstorm or windstorm, but not any more. I just dreamed an ajustor to estimate the harm last spring and let me know if it would exceed my deductible.

What do you do when you total a car and still owe the finance company more than the retail value that insurance will pay and you have no gap insurance?

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Response 1 .
I hate to have to be the one to tell you this, but there is not too much you can do. If you feel the insurance company’s valuation is wrong, and the settlement is unfair, you could discusss your situation with one or more ATTORNEYS [“usually,” a very first visit is free]. Don’t go to any attorney that doesn’t suggest free very first consultations, as there are many who do..
Otherwise, you’re just going to have to make the best of a bad situation. In order to do that, I sugguest:.
1. Discuss your situation with your finance company and, with a entire lot of luck, they MAY forgive PART of your note..
2. UNLESS there is a PREPAYMENT PENALTY clause in your loan note, take the ENTIRE settlement money and pay it ALL to the finance company. This gets your balance as low as possible..
3. TO PREVENT Harm TO YOUR CREDIT RATING, AND a lot of continuing collection pressures, proceed to make your payments until your loan is fully paid off. Not only will this protect your credit record, and prevent a lot of harassment, it is the right thing to do.

Do insurance companies pay for the totaled car causing a collision in a DUI case?

Response .
yes if you have collision coverage barring any exclusions in your policy to the contrary.

How much do teenagers pay for car insurance?

There are many factors that determine the rates for car insurance. Far too many to spell out for anyone. Masculines pay a little more than females. Masculines reach a total adult rate usually at the age of 30 if single and 25 if married. Females reach the lowest adult rate at the age of 25 if single and at any age if they are married. Different companies have slightly different rating systems so this is not the same for all companies. Teenagers usually have their rates go down at 20 or 21 and can get substantial discounts if they are students with a B average (Three.0) or if they have taken a 40 hour certified drivers training class. 16-18 year old masculines rates are the highest and are about Three to Three.Five times the adult rate and they reduce at different points. The foregoing provides some general guidance that applies in many cases. However, there are other factors that have to be condiered. Some of them include the following: 1. The State in which you live. By and large, insurance rates, from which premiums derive, are regulated by the State(s) in which an insurance company transacts business. The insurance regulatory authority generally takes the position that a rate (the cost of a unit of insurance) may not be excessive, inadequate or unreasonablu discriminatory. This means that the insurance company may not reap a windfall profit, but likewise, it must charge enough to have enough money on forearm to pay anticipated claims. “Unreasonably discriminatory” refers to the requirement that risks of a similar type have to be treated similarly. Two. All insurance companies have to have underwriting guidelines that are approved by the regulator. These are the metes and bounds of what they will insure and what they will not. They do not dictate premiums, but they have a bearing because the guidlines may provide that a risk will be insured at a higher, or lower rate than another one. Trio. Auto insurance also has different elements: the main ones are liability, collision, no-fault coverage (albeit the latter may be called something else in some States, and uninsured/underinsured motorist coverage. Albeit no-fault coveraage is generally a required first-party coverage (it pays a portion of the insured’s own medical bills and lost wages), it is pretty standard so the premiums vary less than other coverages. Collision coverage pays for physical harm to one’s own car. Unless there is a lien outstanding on the car, the insured can opt to buy it or not. If purchased, it can be bought with various deductibles–the higher the deductible, generally, the lower the premium. Uninsured motorist coverage is a type of first-party insurance. It comes into play if you were in a collision with a person that did not have liability insurance. The coverage applies to bodily injuries that you sustain from the collision and compensates you for them in much the same way as the other person’s liability insurance would have if he/she had it. The cost of it depends upon how much you buy. Generally, your insurer has to suggest it to you in an amount that is the same as your liability coverage. You may buy more, less, or reject it altogether.

If my car is totaled and not paid for will your insurance pay for it?

Car Loans .
In most cases, insurance companies are only required to pay up to the book value of your car. What this means is that if you owe $15,000 on a car loan and the car is only worth $12,000, you will still be held responsible for the remaining balance which in this case would be $Three,000. This is also known as being upside down. If you purchase GAP, a.k.a a debt cancellation contract, then you would not be held liable for the remaining $Trio,000. This is why it pays to purchase a car that has good residual value meaning it shouldn’t depreciate much swifter than you are able to pay off your loan.

Your friend sold you his car take over paymentsHe took the car off his insurance you insured the car and then totaled it but you are not on the title Will your insurance company pay for it?

Reaction .
As long as you have the title that he signed off of it and you signed on and you have insurance on the vehicle it will be covered.

Can you turn down a total by the insurance company and pay to have your car repaired by myself and still have car insurance?

Yeah, there should be no problem cancelling a claim on your insurance if it isn’t under way already.

Your car got totaled will the insurance company pay for it if tho’ 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.

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Does your insurance company pay for your car?

If you carry total 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 significant not to ever owe more than the car is worth, which is referred to as “being upsidedown.”

Will car insurance pay if totaled car?

If you have utter coverage they might pay you the lowest market value fo your car. They will deduct your deductable.. Insurance companies are out to make money so they will find the cheapest way out

Can an insurance company turn down to pay on a paid up policy?

Not if the insured died and it was beyond the Two year contestibility and suicide clause period.

How much will you have to pay to get your car back if it was totaled and the insurance company turns down to pay?

How much do rental companies pay for cars?

This is a rough question. It’s truly hard to say how much they pay per car. Usually cars are bought in bulk directly from the manufacture before the car is even made. The cars are order aprox 1 year in advance. Then the cars are sent out to the area’s. The big boys dont indeed buy to many cars, best term to use would be lease, they use the car for a certain amount of time or up to the mileage cap, which ever comes very first. Once the car hits one of these it is not consider a TB (turnback) that means its time for the car to be turned back into the dealer. They go to a GM TB yard and that yard sends them to dealers. Opps left behind to add something. To turn the car back the car must meet certain criteria. IE not over the miles, under certain about of harm/repairs that have been done. If the car is not fit for TB then its is considered a Wholesale and is then sold.

If your car is a total loss will the insurance company help you fix it if you both pay?

If your car is deemed a total loss, the insurance company will only pay up the value of the vehicle. They will have nothing to do with the repairs. If the vehicle is worth $Five,000 and the harm is $8,000, you are going to pay $Trio,000 out of your own pocket. Once the insurance company pays you that $Five,000, they are out of the picture. Just be ready for a ‘salvage’ fee to be deducted from your settlement by the insurance company. That is what they would have gotten for your vehicle if you had surrendered it to them.

What if your rental car was stolen and you have no insurance by your credit card neither from rental company – What are the consequences Will you have to pay another car If yes if you turn down to?

You are fully responsible for any loss or harm to a rental car. If you do not have insurance to cover this or have not purchased insurance from the car rental company, they will go after you for the utter cost of the rental vehicle.

Will my health insurance deny to pay if I am in an accident and if I don’t have car insurance?

Your health insurance will cover you no matter how you got hurt. I can take a knife and stick it in my arm and go to the hospital and my health insurance will cover me. The only times your health insurance will not cover you is if you have specific exemptions in your coverage, which are infrequent.

If two cars collide whose insurance company pays?

The response depends upon who is legally liable for causing the collision. Legal liability can arise from disturbance of a statute or ordinance, or from elementary negligence. Negligence is basically the failure to exercise that degree of care that a reasonably prudent person would have used under the same or similar circumstances. In some states the doctrine of comparative negligence is used. This means that it is possible for each party to be found to be partially at fault. In such a case, damages are diminished by the degree to which a person is found to be negligent.

Will the insurance company pay for a car if it was stolen using the key?

Yes. My car was stolen not once, but twice within a one month period. I just moved into a fresh apartment and I accidentally left my keys stringing up outside still in the lock. I awoke the next morning and instantaneously discovered that not only my keys were missing, but my car as well. They recovered it Three days later totally wrecked. I fortunately had utter coverage, and they paid for all repairs & even a rental car until I got it back. They didn’t switch the locks or alarm on my car as I requested, and you guessed it, a day later my car was gone again. The insurance company gave me Two weeks, then eventually wrote the car off as a total loss, and paid me for the blue book value at the time. I only lost out $896 on the total value.

What to do if the insurance company denies to pay sufficient car damages?

I would take the person who caused your accident to petite claims court. Make sure you have all your paper work in order and can state your case.

If someone borrows your car and total loss it will the insurance company pay for damages?

Yes. Collision coverage pays for harm to your vehicle, minus the deductible, regardless of who is driving it. Also, if you loan your vehicle to someone they are considered a permissive driver and you are liable for harm they cause in your vehicle even if they have their own insurance. Insurance always applies to the car not the driver.

Can insurance company reject to pay if wrong VIN?

if your insurance agent had entered the wrong vin number in when getting you insurance by one digit and they issued you a policy and have been driving around under the assumption you had insurance and get in an accident?? who is liable??

Is it legal for the insurance company not to pay the loan company on a totaled car?

Yes. The insurance policy is a contract. All it requires the insurance company to do is to pay the fair market value of the vehicle. You would need to get what is called gap insurance to pay the difference inbetween the market value and the loan value.

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What if the insurance company does not want to pay me what my car is worth?

Read your insurance policy. Most insurers will state that if you do not agree with a car’s appraised value, you have the right to hire a vehicle appraiser, at your own expense, to value your car. You can then send a counter suggest back to the insurer. If that doesn’t work they will either ask you to do arbitration or go to court.

You own your car it was totaled Should you let the insurance company have it after they pay you?

This depends on what the settlement covers I have required the insurance company to permit me to retain ownership, this reduces the settlement. Or the if you do not specify that this is what you want the insurance company gets the car.

How much will you have to pay to get your car back if it was totaled and the insurance company turns down to pay?

How much do you pay for car insurance for a beginner?

usually somewhere inbetween 100$- 300$ a month maybe more or less depending on the company and what package you choose, also if you have had latest accidents or have not passed a drivers ed class then your rates will be higher.

Nancy has a 100 deductible on her comprehensive insurance policy If her car repairs total 750.50 how much would her insurance company pay on the repair of her car?

All other things being equal, if the loss comes under the comprehensive coverage of her policy, and is not otherwise excluded, the insurer would pay $650.50; she would be required to pay $100. Keep in mind that comprehensive deductibles and collision deductibles are sometimes different. Therefore, it is significant to be sure of which coverage is involved. Glass claims are usually covered under the comprehensive coverage. Many States have statutes that prohibit insurers from applying the policy deductible to the repair or replacement of a windshield if that is what is involved. Therefore, the law of the State should be consulted.

What do insurance companies typically pay for car rentals?

Some of the basic coverages I have seen are anywhere from 20 to 30 dollars a day.

Do you have to pay towing company if car is totaled?

If the insurance does not cover the expense it is likely the person to whom the vehicle is registered will be responsible for towing and any other subsequent charges such as storage fees.

How much will you have to pay after your insurance pays?

The reaction depends upon the type of insurance involved. 1. Property harm coverage (such as auto and homeowners) have deductibles. A deductible is the amount of money that the insured has to pay toward the cost of repair or replacement before the insurer’s liability to pay is triggered. The deductible is specified in the insurance policy. It is also one of the factors that you, the insured, select when application for the policy is made. In general, the greater the deductible, the lower the premium. Two. Health insurance coverage usually also specifies a deductible. This works in essentially the same way as described above. However, heath insurance usually also specifies a “copayment”. This is the percentage of every covered expense for which you, the insured are personally liable. Stated otherwise, if the policy has a 20% copayment, the insured pays 20% of the covered expense and the insurer pays the remaining 80%.

How much should i pay for a totaled out car?

Most likely nothing, unless you’re buying it for scrap or to fix up as a hobby. If an insurance company “totals” a car, they’ve determined that the cost of fixing it will be more than the car is worth. If you’re mechanically adept enough to fix it yourself, you could come out ahead financially (not counting your labor), but even if you do you’ll find it hard to get insurance coverage for that car… insurance companies don’t like to insure cars that have previously been totaled, since if it’s in another accident they won’t be lightly able to tell how much of the harm is fresh and how much is “left over” from the previous accident.

Where to go if your Insurance company is not paying for the loss of a car accident?

Attorney General,s office where you live. Also attempt the Better Business BureauAdded: Contact the State Insurance Commission of your state and file a complaint.

How much they have to pay in car insurance?

Depends on value of the car, where it is located, driver’s age, practice, driving record, and in some cases, grades in school for a student. Too many variables to give a single reaction. It could be $50 or $500 a month.

How much do people pay for car insurance?

This kind of question is unlikely to reaction correctly. There are far too many variables that go into the calculations of rating an auto insurance policy. One company I deal with has 44 classes just to classify each driver. Other variables include vehicle, tickets, accidents, claims, prior insurance coverage, married or single, multi-car discount, claim-free discount, zip code territory, credit rating, miles to work, account credit, etc, etc, etc. There are far too many factors to consider to estimate insurance or give someone an average.

How much do you have to pay for not having car insurance?

That depends on whether you are responsible for an accident and how bad it is. For example, if you hit someone with your vehicle and you are without insurance, you would have to pay for all their medical expenses which could run into the thousands. If you cause a severe disability, you could be paying for the rest of your life to sate the judgement against you. Say goodbye to wielding a home or a car or anything else of value. The lawyers for the victim will de-robe you nude and pull the gold fillings from your mouth. So, is it truly worth it to drive without insurance?

How much do you pay for car insurance for a truck?

If the truck is a pickup that is used just for individual use and not in any business it can be insured just like any other vehicle on your private auto policy. If it is over a Trio/Four ton truck then it very likely will have to be insured on a commercial policy. Talk with your agent about this issue if you have a larger pickup to pull a camper or the like.

What are some companies who suggest pay as you drive car insurance?

Many companies suggest pay as you drive car insurance, including Progressive and Esurance. Pay as you go drive insurance provides rates based on the type of vehicle used, measured against distance, time, place and behavior.

Do insurance companies pay for wrecked cars?

It can be said that insurance companies pay for cars after a wreckas long as you are fully insured. But when a person does get money from the insurance company it doesn’t mean that they are buying it from you. The car will have to be taken to a car junk yard and you can sell it to them.

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