Ok... I was involved in a accident it was a hit and run. My car was completely totaled. I only had liability insurance but I also have Unisured Motorist coverage... Insurance said they wont pay for the car because I didnt have collision insurance but they pay for my medical bills, which sucks because when I bought the car the car company told me I only needed to get liability insurance on this car.... I have called the car company told them all this, gave them the my insurance info.... and told them I can pay them a little at a time for the car, now they are harrasing me for payments and right now I honestly dont have it. They have called my work 3 times AFTER i told them not to call my work because I cant recieve personal calls..... My question is how do I get them off my back for awhile, and is there anything I can do to make them stop harrassing me. Plus, I'm 4 months pregnant and stressed out enough!!!! ahhh!!!!
2006-08-09 10:04:35 · 10 answers · asked by precious_sea_shell18 2 in Business & Finance ➔ Credit
Why oh why did you not have collision? Because you weren't "required" and wanted to save that *little bit* of money upfront?
Oh brother. They need to stop calling your work. Tell them you are seeing a bankrupcy attorney, and they need to offer you a deal/payment plan before you have to file. That'll scare them.
2006-08-09 10:09:05 · answer #1 · answered by miketorse 5 · 0⤊ 0⤋
I believe that uninsured motorist coverage should cover your car. You would only need collision if the damage was by your own fault (unless you live in Florida or another no-fault state).
You should ask around and see what other insurance companies say. We work with consumer protection, but insurance is not our specialty.
If you really want to get them nervous, then file a formal complaint with your state's insurance bureau. Some companies are so leery about these investigations that they will just pay off an amount just to make it go away.
As far as the bank is concerned, you should mail them a letter using certified US Mail stating that they should no longer contact you at that work number.
I hope that helps.
2006-08-09 10:14:12 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Ok, if you have uninsured/underinsured motorist coverage and the other vehicle hit you but took off, it should pay for the damage to your car. Comp/Collision insurance pays for your vehicle if you were at fault ... I would check with your insurance company about this ...
As for the harrasment part, you will need to send a certified letter to the collection agency to stop calling you or you will consider this harrasment. Without anything in writing, the collection agency can continue to call you, regardless of your companies policy ... but if they were informed in writing, you can sue them for harasment.
Make sure to include in your letter that you do not want to recieve phone calls to home/work and that you want to conduct all business via US Postal Mail ... you must give them a legitimate way to contact you as an alternative to calling. They will have 30 days from the time they receive your letter to stop calling, make sure to make this point in your letter ... after 30 days, if the calls dont stop, send another letter certified advising that you gave reasonable amount of time for the calls to stop and that all future calls will be recorded and considered harrasment.
Hope your situation gets better...
2006-08-09 10:16:52 · answer #3 · answered by londonhawk 4 · 0⤊ 0⤋
Only if you can prove the other party did not have insurance will they fix your vehicle under uninsured motorist coverage. The bank informed you wrong, when you have a loan on a vehicle you are supposed to have full coverage. You have been advised wrong. All you can do is ignore the calls until you can pay more money to them.
2006-08-09 10:10:51 · answer #4 · answered by Anonymous · 0⤊ 0⤋
As far as the harrassment goes, there isn't a whole lot you can do.
The Fair Debt Collections Act does prevent collectors from harrassing you or calling you at work. But this applies ONLY to collection agencies, attornies, or 3rd party collectors. If this is the bank calling, they are not required to follow the FDCA.
2006-08-10 03:49:38 · answer #5 · answered by Anonymous · 0⤊ 0⤋
londonhawk is right on. I'm shocked the lender didn't require full collision/comprehensive to begin with. Every auto loan I've ever seen has that requirement. I once worked calling insurance companies to verify coverage on behalf of the bank.
2006-08-09 12:41:29 · answer #6 · answered by STEVEN F 7 · 0⤊ 0⤋
Get ahold of a lawyer an he will take care of it, for you....
No one has to put up with harrasment at work!
They dont have a "right" to call you at work, and harrass you...Nor, do they have a right to call you at Home, and harrass you!
Next time they do, tell them to speak to your lawyer and that your going to sue them for harrassment...
I wish you well...
Jesse
2006-08-09 10:09:43 · answer #7 · answered by x 7 · 0⤊ 0⤋
You need to get a lawyer....if you don't have the money, try a legal aid office. They're required to stop calling your place of employment if you ask them to.
2006-08-09 10:10:15 · answer #8 · answered by First Lady 7 · 0⤊ 0⤋
Maybe the best thing to do would be to get some legal advice.
2006-08-09 10:12:37 · answer #9 · answered by Karribou 1 · 0⤊ 0⤋
why oh why did you get pregnant when you can't even support yourself now? condoms are complicated aren't they!
2006-08-09 10:11:27 · answer #10 · answered by ? 6 · 0⤊ 0⤋