What do you do if the insurance for a totaled car does not pay for my private injuries?

What do you do if the insurance for a totaled car does not pay for my private injuries?

What do you do if the insurance for a totaled car does not pay for my private injuries?If you feel you haven’t been treated fairly, I would file a complaint with your state insurance company or have your lawyer do it.

If your car was stolen and totaled can the bank list it as a repossession and make you proceed to pay insurance on it?

IF the car was stolen, reported as stolen to the cops, the ins. should be paying the loan off. IF the ins. co. does not think the car is stolen, they wont pay and its as if the car was NOT stolen. So, you have to pay notes and insurance on the collateral. Bottom line??? HELP the ins. prove it was stolen and the problem will go away. MERRY CHRISTMAS.

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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 demonstrated 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 petite 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. ReactionUltimately 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 dame hit me I had GAP insurance and she did not. She still had to pay off the balance on the loan even however 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.

If you totaled your car and were arrested for DUI will insurance pay for your car in Texas?

Most likely not. You bruised it during the commission of an illegal act (DUI). If you hadn’t totalled it, the state would have very likely confiscated it anyway.

Who pays for your injury if you were injured in someone else’s car but have your own auto insurance as well?

The only coverage on an auto policy that covers costs for you and your passengers medical expenses is Med Pay Coverage. You health insurance will also pay for injuries. Med Pay is an optional coverage but will pay for an accident involving an automobile even when not in your car.

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

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

What happens to a totaled car after the insurance co pays you for it?

Response .
Some insurance companies will sell the car back to the proprietor. Others sell the totaled car to a salvage yard.

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

Response .
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 tipsy 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.

If you only have liability and your car is totaled in an accident will your insurance pay for it?

Car insurance:liabiltityNo. Because liability only covers the damages to the other persons car in an accident. “Trio. Property Harm LiabilityThis coverage pays for harm you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means harm to someone else�s car, but it also includes harm to lamp posts, telephone poles, fences, buildings or other structures your car hit.” See the link below for more information on coverage. ReactionNo. Liability takes care of the other driver and his vehicle only. ResponseNo. Unluckily, liability only covers the OTHER dude’s car. If you do not buy the “comprehensive and collision” coverage, YOUR car is only covered if the OTHER stud is at fault. ReactionIn the UK there are three main types of car insurance: 1. third party; Two. third party fire and theft and Trio. comprehensive. The very first type will not pay for harm to your vehicle in any event; the 2nd will pay if harm to your car is caused due to fire or theft and the third will pay in any event for harm to your vehicle. If however harm is caused by the user of another vehicle you will be entitled to claim compensation from the other driver’s motor insurance for your vehicle harm and if no insurance is in place form the Motor Insurers Bureau. See the related link entitled “car accident claim” to see how to display legal fault for your car accident.

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

Reaction .
They pay whatever the value is of your vehicle less the deductible..
.
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..
Response .
anything you do with the car or any one else but beware when claiming on insurance they will charge you more next time

Will car insurance pay for an injury to a finger from the car door?

Finger In Car Door .
Why would you do that? Most likely not as most insurance companies will reject to pay out miniscule damages.

Will your insurance pay for your car you totaled and it was your fault you have utter coverage on your leased car?

Leasing .
This is sort of an educated guess, but I believe the insurance would pay the dealer and not you. I simply say this because when leasing, you never own the car, you simply “rent” it for a definite amount of time.

Whose insurance pays if you are driving another persons car do some harm to the car and they are not with you?

Response .
the car owners insurance.
Reaction .
The person driving the car would need to submit a claim to their insurance company. There are a few insurance companies that will cover not only the registered holder but anyone driving the car, however this is not usually the case.

What do you do if the insurance for a totaled car does not pay for my private injuries?

An insured driver is unknowingly driving an uninsured car and has an accident. The possessor of the uninsured car is injured. Who pays for the damages and injuries?

Reaction .
You can check with your own insurance and it will most likely cover your medical costs but I doubt they will pay for the harm to the vehicle. If you wish to get payment from the uninsured auto possessor you will have to sue them in civil court. Good luck

An insured driver is unknowingly driving an uninsured car and has an accident The holder of the uninsured car is injured Who pays for the uninsured owners injuries?

Response .
this is tricky, dependant on the state laws…you are driving an uninsured vehicle, you have insurance on another vehicle of your own, you get into an accidentthat is your fault …the possessor of the vehicle is a passenger in the car and is injured…your policy should step in and cover this uninsured vehicle (assuming you have collision coverage on your policy) you chose to drive, (doesn’t matter you didn’t know it was uninsured) and ifyour neglienceresulted in this passengers injuries your policy will likely pay for their injury subject to any exclusion in the policy…..sorry…..

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.

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 $Trio,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 quicker than you are able to pay off your loan.

If you are drivng another persons car with permission and have no insurance but the car you are driving is insured will the car insurance pay to get the car immovable since you were at fault?

Response .
This is different from policy to policy. You need to check the proprietor’s policy to see what is covered. If the holder didn’t pay for such coverage, then the harm is not covered..
Provided the proprietor is paying for comprehensive and collision coverage the harm will will be covered, subject to a deductible, as long as the driver is not excluded from coverage.

My car was totaled. it already has a salvaged title. what will the insurance pay?

It depends on many aspects, however since it already has a salvaged total it will be significantly lessened than if it didn’t already have a salvaged title. Your insurance company should be able to give you specifics as to why they are suggesting what they do.

Son not listed on insurance policy in Ma totaled my car No other vehicles involved no injury Will my insurance company cover me?

If you gave him permission to use the car (called “Permissive Use”) you should be covered. Your insurance rates will likely go up.

Will car insurance pay if totaled car?

If you have total 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

What is individual injury insurance?

Individual injury .
From Wikipedia, the free encyclopedia .
Leap to: navigation , searchJames Gillray , Very Slippy-Weather (1808).
Aindividual injuryoccurs when apersonhas suffered some form ofinjury , either physical or psychological, as the result of anaccidentormedical malpractice ..
The most common type of private injury claims are road traffic accidents, accidents at work, tripping accidents, onslaught claims, accidents in the home, defective product accidents and holiday accidents. Indeed, there are a multitude of types of accident and the termprivate injuryalso incorporates medical and dental accidents (which lead to numerous medical and dental negligence claims every year) and conditions which are often classified asindustrial diseasecases. Industrial disease type cases includeasbestosisandmesothelioma , chest diseases (e.g. emphysema, pneumoconiosis, silicosis, chronic bronchitis, asthma, chronic obstructive pulmonary disease, and chronic obstructive airways disease), stimulation white finger, occupational deafness, occupational stress, contact dermititus, and repetitive strain injury cases..

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Where the accident was the fault of someone else, the injured party may be entitled to monetarycompensationfrom the person whose negligent conduct caused the injury. At least in theUnited Statesthis system is sophisticated and controversial with critics calling for various forms oftort reform . Attorneys often represent clients on a “contigency basis,” in which the attorney does not charge for services until the case is resolved..
InEnglandandWales , under the limitation rules, where an individual is bringing a claim for compensation, court proceedings must be commenced within Trio years of the date of the accident, failing which the claimant will lose the right to bring their claim. However, if the injured party was under the age of Legitimate at the time of the accident, then they have up until the day prior to their 21st bday to commence proceedings. Legal Aidfor private injury cases was largely abolished in the late 1990s and substituted with “no win, no fee” arrangements..
Structured Settlements in Individual Injury Cases .
Often, the use of aStructured Settlementis desired by the injury victim to help protect them financially after an injury settlement. [ citation needed ] .
Structured Settlements provide injury victims with tax benefits and enable decent financial planning for future needs of the injury victim as a result of the injury. [ citation needed ] .
Individual injury .
From Wikipedia, the free encyclopedia .
Hop to: navigation , searchJames Gillray , Very Slippy-Weather (1808).
Aprivate injuryoccurs when apersonhas suffered some form ofinjury , either physical or psychological, as the result of anaccidentormedical malpractice ..
The most common type of individual injury claims are road traffic accidents, accidents at work, tripping accidents, onslaught claims, accidents in the home, defective product accidents and holiday accidents. Indeed, there are a multitude of types of accident and the termprivate injuryalso incorporates medical and dental accidents (which lead to numerous medical and dental negligence claims every year) and conditions which are often classified asindustrial diseasecases. Industrial disease type cases includeasbestosisandmesothelioma , chest diseases (e.g. emphysema, pneumoconiosis, silicosis, chronic bronchitis, asthma, chronic obstructive pulmonary disease, and chronic obstructive airways disease), stimulation white finger, occupational deafness, occupational stress, contact dermititus, and repetitive strain injury cases..
Where the accident was the fault of someone else, the injured party may be entitled to monetarycompensationfrom the person whose negligent conduct caused the injury. At least in theUnited Statesthis system is elaborate and controversial with critics calling for various forms oftort reform . Attorneys often represent clients on a “contigency basis,” in which the attorney does not charge for services until the case is resolved..
InEnglandandWales , under the limitation rules, where an individual is bringing a claim for compensation, court proceedings must be commenced within Three years of the date of the accident, failing which the claimant will lose the right to bring their claim. However, if the injured party was under the age of Legal at the time of the accident, then they have up until the day prior to their 21st bday to commence proceedings. Legal Aidfor individual injury cases was largely abolished in the late 1990s and substituted with “no win, no fee” arrangements..
Structured Settlements in Individual Injury Cases .
Often, the use of aStructured Settlementis desired by the injury victim to help protect them financially after an injury settlement. [ citation needed ] .
Structured Settlements provide injury victims with tax benefits and enable decent financial planning for future needs of the injury victim as a result of the injury. [ citation needed ] .

If you are hit by a car that was hit by another car who is responsible for paying your individual injuries The car that hit you or the car that hit that car causing them to hit you?

It’s the car that hit the car that hit you. (The one who embarked it in the very first place.not the car that hit you ut the other car should pay the fine thing.) the car that hit you should pay a petite portion of the fine and the car that hit the car that hit you should pay the rest and the fine of hitting the carDepends on the state, the motor vehicle laws and any rulings in a court of law. Without knowing the exact circumstances in this hypothetical accident it would be difficult to ascertain what percentage of bodily injury claim would be paid. Sometimes the at fault driver initiating the collision must provide bodily injury payment, typically via their insurance company. However, in some instances a percentage of the bodily injury claim may be paid by the vehicle in the middle. The reaction above mentions “fines”. Fines are related to motor vehicle violations, not bodily injury “claims”. Fines are the responsibility of the one who receive them and fall under the jurisdiction of the police and motor vehicle laws.

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Will individual medical insurance or car insurance pay medical expenses in an auto accident?

Your choice, depending on which coverage is better. Attempt the auto insurance very first. but recall, their job is to minimize costs, and sometimes you have to go where they send you. they may have boundaries depending on the policy and state laws. your medical coverage is designed to cut costs by keeping you alive and healthy to keep paying them. they don’t make money off dead people or people too sick to work and keep coverage. they will usually end up paying for long term issues, especially if they don’t pop up right away or if a pre existing conditioned is worsed. how much wor$e is the back ache, truly? you should go through the auto insurance if its drastic, expensive, extensive care. if its minor aches and anguish just pay your Ten$ or $20 copay and go to your primary care physician (your doctor). if you get hurt in an accident, go to the closest hospital right away, don’t delay or the ins co may attempt to loophole out of paying you, thinking scam alert. i once tapped a duo in their 50’s when i was 16 and only driving for a few months. he slammed on his violates after realizing he was about to miss his turn. at 20 miles in a 25 (it was 200 yards after a turn) i hit a pile of humid leaves next to a stone wall and skidded into them. i was sited no fault as i could not get off the road or go into opposing traffic (why they stopped). they were complaining about how hard i hit them and she was telling he already had a bad back and now this. the office on the scene asked them did they want him to call them an ambulance to take them to a hospital. She said right away no, they were going to their own doctor. after they left the cop told me they would be trouble. but they were denied due to lack of physical proof and officer testimony. so the moral is because some scam, they reason all are potential scammers until proven actually hurt.

What if my car was totaled in an accident the insurance pay off the debt?

Only if you carried GAP insurance will it pay off what you owe to the Lienholder. If not then they will only pay what they valued your car to be worth which may or may not be enough to pay off the loan.

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 do you do if the insurance for a totaled car does not pay for my private injuries?

Should I proceed paying car insurance if the car is totaled and have it liquidated from my policy?

If you plan on continuing the coverage on your fresh car then the reaction is yes..
If you don’t get a fresh car then STOP!

Single car accident no injuries but car totaled will insurance pay?

Evidently if you have collision that should look after the harm to the car. Now the collision comes in many shades of grey. The insurance company will pay cash value after taking into account the mileage, year, and type of vehicle. Plus the cost of dealing with the harm vehicle cost would be subtracted from the settlement of the cash settlement too in some cases. If you have no collision then you have no gam to stand on, your are left holding the bag.

Can an auto insurance co turn down to pay for my car and injury when their insured was at fault just because my registered car was insured under my friends name and not mine in the state of California?

Yes here the car insurance hard can turn down your insurance claim as the car is registered in your friends name and not yours.

If your car is totaled and inoperable do you proceed to pay your auto insurance?

Yes. Until the claim is closed. You may also substitute your vehicle and just be able to put the fresh vehicle in place of the old one. Your best bet is always to speak with your company about it and get their suggestion. NEVER just stop paying. Then you may get cancelled for non-payment making getting insurance when you want it down the road tighter and much more expensive.

Who pays for private injuries if the at fault party has no insurance?

UMBI means coverage for bodily injury to you and the occupants of your vehicle in the event you are injured by an uninsured driver, $20,000 per person and $40,000 maximum per occurance. If he is insured, his liability will cover this.

Can you get money from the opther persons car insurance for your injuries even tho’ the accident was your fault?

No. If the accident was your fault, you can not get money from the other person’s car insurance.

When you are in an auto accident with no insurance will the other persons insurance pay for their cars damages?

Their insurance policy will pay for their own car. However you must know it’s against the law not to have insurance coverage for your auto.

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.

If your car is totaled do you still have to pay off the insurance policy?

No, simply because there is nothing to be insured any more, your car is gone.

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 long can an insurance co take to pay for your totaled car?

The general response, absent a contractual or statutory requirement is, “a reasonable time”. When a car is determined to be a total loss, it essentially means that the insurer has determined that the cost of repair exceeds (usually, some statutory) percentage of the actual cash value of the car. In that example, the law requires that the be announced to be a total loss. The time consuming part of that process can be in determining the actual cash value of a car of like kind, quality, and other features. While there are commercial guides to help in that determination, often there is a period of negotiation with the holder as to the final value. Many States provide that once a claim has been resolved by agreement as to the value, and all necessary documents have been signed (in this case, proof of claim, title certificate, and other documents that the State or the insurance company may reasonable require), payment must be made within 30 days. However, the period may be shorter or longer and State law will govern.

Can another persons auto insurance total your car?

Yes, in the sense that the liability insurer for an at-fault driver/proprietor is responsible only for the actual cash value (ACV) of the bruised vehicle. The ACV is harshly equivalent to the market value of the car instantaneously before the collision. This takes into account make, model, mileage, accessories, and other salient factors. There are standard industry guides to help ascertain the ACV, and an insurance adjuster will also look to the going price of like kind and quality vehicles being locally advertised. The law of many states requires an insurer to “total” a car when the cost of repair exceeds a stated percentage of its ACV. In that case, the insurer may not have a choice, and the only things to negotiate is the precise dollar amount to be paid, and whether or not the proprietor will be permitted to retain the salvage. If the holder does keep the salvage, the insurer will deduct that value from the payment made.

What do you do if the insurance for a totaled car does not pay for my private injuries?

What kind of car insurance pays for your injuries when you’re in an accident in your car?

Three types of auto insurance come to mind: medical payments (or private injury protection), liability coverage and under/uninsured motorist coverage. Med Pay is coverage that protects the occupants of a car and pays medical bills up to the amount of the med pay policy boundaries. Liability coverage is the car insurance that pays on behalf of the at-fault driver. This coverage makes a lump sum payment to the injured person who is not at fault. UM coverage is possessed by the injured person and pays them in cases where the at-fault driver does not have any insurance or does not have enough liability coverage.

What car insurance pays for your injuries when you’re in anaccident in your car is?

Car insurance that pays for your injuries when you’re in an accident in your car is

Car totaled insurance value car at 16000 and loan amt is 12400 can you use your gap insurance to pay off car loan?

If they gave you 16000 on the car, you would not need gap insurance since your loan amount is 12400.

Will at fault insurance buy you a fresh car after paying your car totaled?

No. They will give you the money for the value of the vehicle and then you are on your own. However, check with your state’s Department of Insurance. You might have recourse against the insurance company if you are incapable to find a comparable vehicle with the amount they gave you.

What is the definition of Private Injury Insurance?

you need to look into : life protection insurance, accident insurance (will cover individual injury) to cover yourself against an accident you need to look for an accident insurance. There is no Private INJURY INSURANCE. its called different. Private Injury InsurancePrivate injury insurance is an insurance provided to ensure that should you suffer an accident or injury, you are paid a lump sum to ease the financial cargo in the event. Individual injury covers a number of accidents and injuries. There is a distinct difference inbetweenindividual injury insuranceand aprivate injury claim . In effect, individual injury insurance is the same asAccident, Sickness and Unemployment (ASU) insurance. .

Do you need to still pay insurance when your car is totaled?

Assuming that you had collision coverage on your car, when it is totalled, the insurer pays the “actual cash value” of the car, less the collision deductible. This represents the market value of the car instantaneously before the collision. It takes into account make, model, mileage, condition, and other features. When the car is totalled, you will be given the option of keeping the salvage or letting the insurer keep it. If you keep it, the amount paid to you will be diminished by the value of the salvage. If you keep it the salvage and have the car repaired, sometimes you are permitted to obtain a “salvage title” from the motor vehicle authorities. If the vehicle, as rebuilt, is roadworthy, you will need to insure it as you would any other vehicle.

Does car insurance cover injuries?

Yes. Whose injuries and how much maximum can vary greatly. The best thing to do is to find a knowledgable agent that you like and can trust and sit down and discuss your needs and wants. A good agent will find the right prce for what you want. An independent agent is your best bet as they represent several good companies that are competetive in their area. Mainly, find one you like and can trust.

What type of insurance will pay for harm to your car if it is proclaimed to be a total loss?

Physical harm coverage pays for harm done to your vehicle. This is divided into two policy provisions, comprehensive and collision. Collision is if you hit something or turn the vehicle over. Comprehensive is about everything else, including theft, vandalism, animal collisions, fire, glass breakage, etc. So the main thing you will need to determine is what caused the harm. If you hit a deer then it will be a comprehensive claim. If you hit a telephone pole or another vehicle then it is a collision claim.

When your car is totaled but you don’t have the title will the insurance pay you?

It depends on why you don’t have the title. If you don’t have it because it is financed then yes. The insurance company will do the work for you of getting the title released from the bank. If you don’t have it because you don’t own the vehicle then no the company will not pay you. Legally they cannot pay you for a vehicle that you don’t own just like you cannot insurance a vehicle you don’t own. They also cannot pay the true possessor because that person does not have a legal contract of insurance with the company. No one gets paid.

Where can you purchase private injury insurance?

Private injury insurance is something that can be added on to most auto insurance plans. Many companies such as All State, Progressive, and Nationwide all suggest individual injury insurance.

Can you sue the state for hitting a deer your car is total and your insurance will not pay?

You are required by law to have liabilty coverage, but notcollision coverage. If you did not have collision coverage then youare not due any compensation by your insurance company. If you didhave collision insurance and the insurance company will not pay,then you may be able to sue the insurance company, but you cannotsue the state.

How much time does a person have to report an injury from a car accident to insurance company?

how much time does someone have to reporty an injury from caraccident in state of fresh hampshire

When you still owe money on a car and it is totaled who does the insurance company pay the money to?

The language switches depending on where you live. If you borrowed directly to buy the car the Bank or Finance companywill Be registered with your insurance company and they will bepaid. If there is money left over you will get a check from the bank orthe insurance company depending on what lender and where you live. If you went to the local title loan place you may be paid directbut if you don’t pay the title loan guys they can both sue andcharge you with fraud.

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