auto insurance coverage? Is insurance a driver paying for a vehicle not a member of the family that has been achieved if full coverage of its vehicles? The car accident was a lien against her and have only liability insurance. However, the pilot who has destroyed a total coverage for two of its vehicles. He has USAA insurance that looks like a good insurance?
It is GAP insurance on the vehicle destroyed.
My question, how do I get the ball rolling on this? I live in Oklahoma, the truck sits a meter wild in Killeen, TX, the main motor (a soldier) is located in a military camp in Virginia, the soldier who destroyed the vehicle is living in Killeen, TX. I signed for the loan, my name is on the title. I have never driven this car.
The salvage yard said they sent registered letters to the Oklahoma Motor Vehicle Department. This sounds like it could take months and months to resolve.
Meanwhile, I need the main driver to continue making payments. They do not agree on who shuld
What?
It depends on your state laws. For example, in the state of Georgia, the vehicle is insured not the driver. So if you had only liability coverage in this case. I would call the insurance company totaled the car was covered. They are the only ones who can tell you what you need to do to get the application started. Usually the paperwork for loans takes 7-10 business days. Im not sure how long the payments would take if one exists. Google the insurance company and they have a link to the information file claims. on their website.
Collision insurance policies driver's own insurance will almost certainly not extend to your vehicle. The insurance on the vehicle still provides primary coverage. There are some things you can check if.
Your first option: There is a small chance of this working, but you can call USAA and ask if they would pay for damage caused to your vehicle under the policy of the driver's responsibility. In a roundabout way he is responsible for the demolition of your vehicle, but you must have had full coverage on it because it has a lein.
Second, you can try to contact the insurance company Gap to see if they will pay for the total value of the vehicle. Usually insurance gap will only provide coverage beyond the amount provided for complete coverage or collision on the owner's primary automobile insurance policy, but it's worth a shot to see if they will be content of the total value.
Thirdly, check with your leinholder. Whenever you have a lein on a vehicle, leinholder has an interest in this vehicle so that they require proof that you carry comprehensive coverage on the vehicle which you were obviously not. Sometimes, if you are irresponsible enough not to carry comprehensive coverage, the leinholder will do what is called the insurance force put on you. Basically, they buy a full liability insurance on the car, then force the recipient of the loan to pay for it. Leinholder Call and ask them if they force placed insurance on you.
These are all long shots, but you are in a difficult situation and if one of these pan on, it will help a ton ... Otherwise, find a lawyer and pursue the guy who was driving your car and caused the accident.
Good luck, this situation is unfortunate .... always always always buy the full insurance coverage when you have a loan or a lease on a vehicle.
Posted on March 7, 2010.
