this happened in march 2006 and i am still making payments -help
2006-09-21 05:04:53 · 23 answers · asked by sandra b 1 in Business & Finance ➔ Insurance
i was at a bar had to much to drink called aco-worker to pick me up must have left my keys and phone on table next morning went to pick up car it was gone made a police report
2006-09-22 03:48:40 · update #1
fry wrong -new car large down ahead on notes less than 20K miles parents have same insurance for 23yrs no claims -young man mothers name on loan-disclosed all phone records financial records gave statement could it be police report?
2006-09-22 12:15:33 · update #2
Send a written complaint to your State's insurance commissioner's office. An investigation will be done to ascertain whether or not the denial complies with the law and your contract.
This is a free process and is a lot cheaper than an attorney. Also, most investigators at insurance commissioners' offices know insurance law better than an attorney in general practice.
2006-09-21 05:53:09 · answer #1 · answered by Suzanne: YPA 7 · 1⤊ 0⤋
1. One, it does not matter if the keys were in the car and it was running. It would still be covered. There must be another issue.
2. If you don't have it already, ask for the denial of claim in writing. Then let us know EXACTLY what it says. There has got to be something going on, because I have claims adjusting experience and have NEVER heard of a situation like this.
3. Were you up to date on your premiums. If you had a loan from the bank, they would have required you to have comp and collision, did you really have it.
4. Sorry to ask all the questions, but this is odd. If there was a policy in force with comprehensive coverage, the vehicle should be covered. It would not matter if you left the car running and put a big steal me sign on it.
2006-09-22 17:59:12 · answer #2 · answered by Spork 3 · 0⤊ 0⤋
There is more information you really need to let us know to be able to help you but I can tell you this: first of all did you have full coverage on the vehicle, Comprehensive and Collision? First off that is what would cover your car being stolen and getting in an accident. Second of all, where were the keys? That is the main point, if you left the keys in your car, it's your fault, and you are liable for this incident. That is why you are always supposed to have your keys and lock your doors. This is also why companies give out discounts to people that have car alarms, lo jack, etc. Hope this helps!
2006-09-22 03:26:04 · answer #3 · answered by darcilynn83 4 · 0⤊ 0⤋
I think you are leaving out plenty of details. Was the care stolen or did you lend it out and claim it was stolen. Did you have theft insurance. Even if you leave the keys in the car (and how can they prove that the keys were not pick pocketed) I have found they usually still pay. I just think we are only hearing a little bit. Why not tell the car company that you wish to relinquish the car. It is still their car until you pay it off. That is why you must have insurance on a car still under a loan. I know I wouldn't keep paying under the situation you speak of.
Good Luck!!
2006-09-21 06:17:25 · answer #4 · answered by Anonymous · 1⤊ 0⤋
Well it all depends on how it was stolen and other details. If you left the keys in it then you're pretty much on your own, and take it as a hard expensive lesson learned. If you left the car secured and it was stolen by breaking and entering, hot wiring or some other means beyond your control and they refuse to pay... I'd say hire a lawyer. Of course it also depends on your insurance coverage.
2006-09-21 05:14:38 · answer #5 · answered by pottersclay70 6 · 1⤊ 0⤋
Not enough input....need more data...need more data.
My guess is that there is alot more you haven't said...
Perhaps...
A past history of stolen vehicles.
A police report rife with their own doubts.
You may have uncooperative with the police or insurance comp investigation.
Your $750 car had $6000 in wheels and stereo equipment
Your car was discovered burned after being in accident
Police referred to this as "Rent A Rock"
You were way behind on car payments
The insurance policy was 18 minutes old
A friend or relative volunteered info to police or adjuster
Tell us what your denial or "Reservations of Rights" letter says.
2006-09-22 11:54:48 · answer #6 · answered by fryeguy93 2 · 0⤊ 0⤋
Methinks you are leaving out a detail or two. I'm also guessing the insurance company gave you a reason for not paying. What is it?
Some insurance companies only pay on the steps of the courthouse, if you know what I mean. Maybe you should call your state insurance regulator and/or maybe you need a lawyer.
2006-09-21 05:35:29 · answer #7 · answered by Adoptive Father 6 · 2⤊ 0⤋
Contact an attorney's office and see what they say for you to do. They can give you really good advice and tell you what your rights are due to the situation. Just make sure you call an attorney's office that says accident claims or something along those lines in the phone book. Dyer, Garafolo, Mann, & Schultz is one you could look up. They have several locations across the U.S. Good Luck!
2006-09-21 05:16:21 · answer #8 · answered by katrinaa24 1 · 1⤊ 1⤋
I don't know much but I am sure of one thing that if any body drives your car without your permission then liability coverage does not coverage extend to it. The driver is liable for any liability. Now if you are making payments on your car I assume you have to carry full coverage-that means comp. & collision coverage. Now comp. coverage also covers you if your vehicle is stollen. Please talk to sombody who really knows insurance very well. If you have full coverage on your car some way or the other you should be covered.
2006-09-21 06:51:13 · answer #9 · answered by Jinha 2 · 0⤊ 0⤋
If you feel you have a legitimate claim and the company is refusing to honor it, contact the Department of Insurance in your state and possibly your state Attorney General.
2006-09-24 02:30:47 · answer #10 · answered by tjnstlouismo 7 · 0⤊ 0⤋