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

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

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 stiffer and much more expensive.

Can you stop paying car insurance on a car with deepthroated motor and proceed to pay off loan to avoid voluntary repossession in Fresh York?

If your loan agreement requires you to carry ins (most do) and you drop it, then you will be in default of the contract. You better make SURE the payments get to the lender PROMPTLY so they dont take a 2nd look at your record when the ins. co. tells them you dropped the ins.

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.

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 showcased 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. 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. ResponseThe 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 female 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.

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

Very 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.

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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.

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.

Who pays if you hit your husbands car in your driveway Home owners or auto insurance?

Response .
Without a doubt the auto insurance. Homeowner’s insurance never covers a private passenger automobile, ever!.
Response .
But read your auto policy. Bet it says harm caused to one family vehicle by another is NOT covered. In other words, YOU PAY!

What do you do if you have utter auto insurance coverage and your car violates 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 substitute 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. ReactionYour car cracking down, and your car being totalled are Two separate considerations. If your car mechanically cracks 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.

Will your utter coverage auto insurance pay for your car if you where drinking and driving and had an accident?

Response .
They’re pretty much obligated to do so, but recognize that you will most likely be dropped from coverage as soon as they detect the DUI on your record.

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 tipsy driver causes a collision it’s not called an “accident”. Accident is when things just happen. Driving inebriated 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. ResponseNo. Liability takes care of the other driver and his vehicle only. ResponseNo. Unluckily, liability only covers the OTHER man’s car. If you do not buy the “comprehensive and collision” coverage, YOUR car is only covered if the OTHER dude is at fault. ResponseIn the UK there are three main types of car insurance: 1. third party; Two. third party fire and theft and Three. 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 utter coverage?

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

Can you make your auto insurance pay you back for loan payments you made on a car they announced totaled?

Reaction .
Your insurance owes you the value of the vehicle minus your deductible. If you owed the bank more than this, you are responsible for the excess.

If you buy auto insurance when your car is already bruised and needs motionless will they pay to repair it?

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Response .
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Again, insurance fraud is a felony crime..
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No. When a claim is made the proprietor of the vehicle is required to present the vehicle for an inspection by the insurance claims investigator..
The holder will also be required to pack out a report concerning all relevant facts to the accident (time, place, other vehicle involved, etc.) .
Claims adjusters/investigators are very well trained in what to look for especially when the issue may be one of a fraudulent nature. .
However, it is not unlikely the person would be charged with a criminal offense, unless the insurance provider paid the claim (not likely) and it was later proven the insured intended to defraud the provider..
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Reaction .
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Still fraud, still a felony..
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No, insurance coverage/reimbursement whether vehicle or other property is not retroactive..
Response .
That’s fraud and it’s very effortless to detect, so unless you want to be arrested and prosecuted, I wouldn’t attempt it.

Can you switch auto insurance companies before you pay the total premium due?

Can I Switch?? .
Definately! Reminisce, premiums are NOT a loan. If you don’t pay the insurance company will in most cases not sue you, send your unpaid balance to collections or anything of the sort. Total premium due is the total amount you have to pay during your term, typically 6 to 12 months. However you pay, is up to you. If you pay all at once, most of the time the insurance company will send you a refund check of your unused premium, but CHECK your policy and the company’s terms before confirming that. If you pay by the month, then simply call your insurance company with a request to cancel or don’t pay the bill when you get it and usually they will cancel within a few days of nonpayment of premium. If you have a lienholder (you have one if you have a car payment) make absolutely sure you don’t incur a lapse in coverage because say you canceled your policy on a Monday and can’t get a fresh one until Wednesday and you had a wreck on Tuesday, YOU will have to cover any and all damages to your car if you have an at fault crash or an uninsured driver hits you. This is why most insurance companies and brokers take pictures of your car in the parking lot so any harm you attempt to claim after the begin of the policy will be denied as the photos will serve as evidence and you could be convicted of insurance fraud, so be careful.

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Will your insurance pay for your car you totaled and it was your fault you have total 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.

Can you get total coverage auto insurance for a totaled car?

Has the vehicle been repaired and studied and title cleaned up? If so no problem, if not I suppose you can if the company you are requesting ins. from doesn’t do their homework. But I promise you should you have another loss, this will resurface.

Should I pay cash to repair a parked car I scraped or use my auto insurance?

Reaction .
You need to find out what is the best for you in the long run. Contact your policy services dept. Ask what constitutes a rate increase (for accidents, and how much is that)? Is the harm under the min. for a ‘chargeable accident’? Some Companys (two I’ve worked for) do not generate a chargeable accident unless it exclipses say 400.00/500.00 and at fault…so if the harm is less than that (for sure, including any rental while their vehicle is in the shop), then I’d let the company treat it…On the roll side, if the harm is say 2k, and your rate increase (if there is one) would be 10% for three years how much is that? I’m guessing as puny as you say the harm is, ‘scrape” (but scrape to a bumper, and scrape to a door especially if it is close to the other door) are two different things. But assuming it were 800 or so, you might be better off treating it yourself…

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 $Three,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.

Will your insurance pay if someone wrecks your car and they do not have a licence but you let them drive your auto anyway.?

Reaction .
Most large company’s do, as long as the person driving was @ least 25, even if they where determined after investigating, to be @ fault.

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.

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

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 reminisce, their job is to minimize costs, and sometimes you have to go where they send you. they may have thresholds 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$e is the back ache, truly? you should go through the auto insurance if its drastic, expensive, extensive care. if its minor aches and agony just pay your Ten$ 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.

Do you have to be the proprietor of a car to get auto insurance?

Yes. Normally you have to own a vehicle to insure it. You cannot purchase insurance on a vehicle that you do not own with a few exceptions. The exceptions deal with a family household situation. Vehicles titled to a hubby or wifey may be insured on the policy of either one and the same thing applies to children living in the home as a car titled in an adult child’s name may be added to the insurance policy of the parents.

After you’ve signed the papers at an auto dealership and driven the car off the lot the finance company wont cover you for the loan and the car gets totaled and its insured who pays for the vehicle?

Next time you post a question, read it over before hitting “save” (your question is a little hard to understand). Once you sign the papers for the car, it is yours. If you get in a car accident and the car gets totaled, the insurance company for the at fault driver is responsible to pay for the “fair market value” of the car. If you are at fault and you have collision, your insurance company will pay you fair market value less the deductable. Please be aware, if your loan was for Ten,000 but your car is indeed only worth 8,000 then you will be stuck paying the extra Two,000 (unless you purchased gap insurance from the loan company)

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

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.

Can you get auto insurance with out having a car?

Even if you do not own acar , you still need insurance protection if you drive one. The auto you borrow, rent, or use may have decent insurance coverage, but you also should protect yourself with individual liability protection. Here is how to get it: Ask for the cost of higher liability coverage based on the assets you own and your projections of future income to be protected. For your protection, consider purchasing as much liability insurance coverage as you can affordAsk the insurance company or agent about your state’s minimum liability coverage rules. States differ in the minimum liability insurance coverage they require. .
Analyze your assets, including home, furniture, art , clothing, computer , electronics, and all other individual assets. Get quotes for liability insurance only. .
Estimate your future income. This is significant because, like life insurance, you want to protect your future income as much as possible. This calculation often results in a larger amount than all of your individual assets. I wish you the best .

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 response 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.

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Do you have to have auto insurance to rent a car?

If you have liabilitycoverage on your own car, it will generally also apply to the rental car if the rental can be considered a “improvised substitute vehicle” (such as if you are on vacation or if your car was damages and is being repaired). However, if you do not otherwise have coverage, the rental car company will require you to obtain it, either through it or by some other means.

If no auto insurance will medical insurance pay?

If you have an auto accident and you do not have auto insurance with medical payments coverage for your injuries and medical costs, you may need to research the coverages available through your medical insurance policy. If you are not at fault for the accident that caused you injury, and the third party insurance provider has taken responsibility for the accident, the at fault party’s liability insurance should pay for medical injuries up to the boundaries on their policy. Because you do not have insurance, receiving a claim payout might require more work because you do not have an adjuster working for you. If you were at fault for the accident and you do not have auto insurance, you will need to speak with a representative from your medical insurance company to discuss the coverage provided under that policy. You may have a co-pay or a percentage you are responsible for depending on if you have an HMO or PPO.

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.

How long do you pay for auto insurance?

You pay as long as you would like to policy to cover you. Sometimes you can go monthly, but the policy will eventually cancel if they do not receive payment.

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.

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.

Does a utter coverage auto insurance in CA cover a totaled car in another state?

It depends on the company and policy. Some will deny it for “operating out of territory”. Others will cover it and then non-renew the policy for “operating out of territory”. There is no way to say for sure as it varies so much from company to company.

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 toughly 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 proprietor does keep the salvage, the insurer will deduct that value from the payment made.

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

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.

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.

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.

Does auto insurance pay lien on totaled auto?

If an insured car is totalled the insurance company will issue a check made out to the lien holder and the holder jointly, both the lien holder and the possessor have to endorse the check to cash it. If the value of the car is more than the lien, the lien gets paid off and the proprietor gets the remainder. If the value is less than the lien, and therefore, the insurer pays less than the outstanding balance on the loan, the lienholder will be entitled to it. Additionally, the possessor will be liable for the balance owing after insurance proceeds are credited.

Do you have to pay auto insurance if your car is totaled in an accident and may not have another car for several months?

If the only insurance you have is on the totaled car, you will not be required to carry a policy on it anymore. However, it is never good to have lapses in the dates you are insured. I suggest having them to lower your insurance to the most basic your state permits and carry that until you get another car.

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 instantly 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.

What are the benefits of auto car insurance?

The benefits of auto insurance are that if a natural or human caused accident were to happen, you would be able to feel safe that your car will be repaired or substituted.

A family member was killed in an auto accident in the state of kansas. Does insurance money paying for the totaled car have to go through probate?

It depends on who the car belonged to. If the car holder is not the deceased, no, it would not go through probate. Any insurance money paid as a result of the death itself would go through probate.

Do you have to proceed paying your insurance if your car is stolen?

No, as long as you have let your insurance company know they car is stolen.

Can possessor cancel insurance if car is inoperable for 6 months and auto is at dealership?

It depends on: .
Is the car financed? If it is the finance company will not permit the insurance to be cancelled .
Is the car likely to be driven or moved by the dealership? if so they must be notified before the insurance is cancelled. Other than that yes it can be cancelled. Warning! Vehicles that are left on the dealership property can be sold as abandoned in as little as 90 days. Is your car still there?

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 holder because that person does not have a legal contract of insurance with the company. No one gets paid.

Where can one get car and auto insurance?

You can receive car and auto insurance through companies such as Allstate, Farmers Insurance, and Esurance. All of these companies provide free online insurance quotes.

Will your auto insurance company pay for repairs if the total amount of repairs is more than what the car is worth?

In my practice, in a number of countries, Auto Insurancecompanies will not pay for repairs unless the repair is result ofan accident. Then only what the car is worth.

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