Collison claim on repo veh.

by letters4alisa » Thu Jul 09, 2009 08:48 pm

I have a Ca claim that after the collision occurred, the veh was repo'd. The lien holder has the veh but the title is in the owner and lien holders name. Who do I issue the check to and do I mail the the lien holder?

Total Comments: 7

Posted: Thu Jul 09, 2009 09:24 pm Post Subject:

you write a letter to both and ask them to get a response. And clarify that who would be getting paid... Most probably its the owner you pay

Posted: Fri Jul 10, 2009 06:47 am Post Subject:

Hi letters4alisa,

I have a Ca claim that after the collision occurred, the veh was repo'd. The lien holder has the veh but the title is in the owner and lien holders name. Who do I issue the check to and do I mail the the lien holder?



Are you going to issue the check to repair the car or you need to obtain the title too?

~Jeremy

Posted: Fri Jul 10, 2009 07:42 am Post Subject:

The lien holder still has the veh. I am not sure if the veh is going to be repaired but a few repairs were previously made and the lien paid for them. I don't know if they are willing to work with the owner to keep the veh. It is not a total loss

Posted: Fri Jul 10, 2009 11:07 am Post Subject:

Alisa, I'm little confused, from your first post I had the impression that you might be an adjuster who wants to know who to include in the claim check. The following comment might have sent me off the track. :)

Who do I issue the check to and do I mail the the lien holder?



But now I think that you are the owner of the car, is that true?

a few repairs were previously made and the lien paid for them.



Please clarify the above statement.

~ Jeremy

Posted: Fri Jul 10, 2009 11:35 am Post Subject:

The lein holder will get the payment for the damage, minus the deductible. They may or may not repair it.

I handle about six or so of these a year. Car is re-popped. Leinholder turns in a claim for the damage they found once they got the vehicle. I go out write an estimate on the damage, pay the leinholder minus the deductible.

Most probably its the owner you pay

If there is a leinholder on a vehicle they HAVE to be protected (on 1st party claims)...If they have re-po'd this vehicle chances of it going back to the owner are slim.

Posted: Fri Jul 10, 2009 04:23 pm Post Subject:

This is a third party claim not a first party claim. But since the claimants lien holder has the vehicle and has paid for partial repairs. The veh was at a shop prior to repo. So I am concerned on paying the claimant only or lien holder only.

Posted: Sat Jul 11, 2009 10:46 am Post Subject:

So I am concerned on paying the claimant only or lien holder only.

If I were concerned about this, I'd put both names on the draft, and then mail it to the lein holder. I probably wouldn't be very concerned however, and I would pay the lein holder only and direct.

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