Should the insurance still charging me after totaled my car?

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Fri Apr 24, 2009 5:39 pm   Post subject:   

** Sorry Mike, for a moment I forgot you were not the poster of this information. Makes more sense to me now.





Quote:
tcope - So, pull the tags. Big deal. Can you tell me why the VO should keep plates, current registration and insurance on a vehicle that will never see the road again? Use your head son.
It's not my call or the insurance companies. The OP can certain cancel the insurance. I'm just pointing out that many state DMV's require person to carry insurance on a vehicle that is license for use on the road. You want to know why they require this? Because the vehicle... is licensed for use on the road. No insurance... no tags. If the OP wants to pull the tags and turn them into the DMV then this is fine.
Quote:
I suppose it would be fun for the VO to make the insurer or storage place pull the plates and mail them in. Why wouldn't this happen when the insurer takes possession? If not... Why not? If not, what are insurers doing with all of those potentially illegal plates?!!!
The insurance company should be asking the owner to remove to the tags before it's moved to a salvage lot. If they don't, the insurance company will usually have them mailed to the owner if they request. Otherwise the salvage company should handle that issue (I'm betting they do mail them to the DMV or at least report them somehow).[/quote]In most states whether functional or not, whether it has license plates or not - you do not have to insure any vehicle you own if it is not being operated on public highways. Period.[/quote]I'm not about to post the state requirements from 26 states. I will say that most require you have insurance if the vehicle has tags on it. When do you show proof of insurance? When you get your tags or renew them. Why is this? See my statement above. Since so many people get insurance just to get their tags and then cancel it, states have set up a system whereby insurance companies report when a person's policy expires. This information is compared to current vehicle registrations and if a person has an active registration with no insurance, the registration (tag) is voided. There is _no_ reason to have a valid tag on a vehicle if it's not going to be driven. THAT is why insurance is required on any vehicle with valid registration/tags.
Quote:
Seriously? tcope - Do you think anyone buys that shinola?
I can only tell you what I know to be a fact.
Quote:
The "financial services industry" (those are your bosses) has finally been drug out on the carpet and exposed for what they are. Did you miss it? Do you think they are above lying to their employees or instituting unfair practices which compromise the public's economic and corporal well being?
Is this related to the topic of keeping valid insurance on a registered vehicle? If so, it has nothing to do with insurance companies. Its the _states_ that mandate it.
Quote:
Look - I understand where you folks are coming from. You need a paycheck. So off you go to training (re-education camp) and the rationale for the actions which would otherwise have raised an eyebrow are drummed in until - to you - they make complete sense. Same deal at Merrill Lynch/Lehman Brothers/AIG and the like.
?????? Did we skip medication time today? I have no idea where this is coming from.
Quote:
Many people who do what I do, have seen all too many times - things done "to" the consumer by "innocent" insurance folks that were just "doing their job".
If you want I can tell you about shitting work and service some body shops have done and how they scam the insurance companies out of money.
Quote:
Many people who do what I do, have seen all too many times - things done "to" the consumer by "innocent" insurance folks that were just "doing their job". After awhile you see the culture is seems the whole world is in a trance and just can't see the reality that the light at the end of the tunnel is an approaching train.
I guess when you put yourself right in the middle of it and have an opposing point of view, you're going to only see the negative aspect. It's no surprise.



http://dor.mo.gov/mvdl/drivers/insurinfo.htm#info



"Missouri law requires that all motor vehicle drivers and owners maintain some type of motor vehicle liability insurance coverage. Unfortunately, each year thousands of Missouri citizens are involved in automobile accidents with drivers who have not maintained the required automobile insurance. The result of this ranges from unpaid collision damage claims to higher insurance premium rates for all Missourians.



Any person who registers a motor vehicle must have liability insurance. Motor vehicle owners are required to show proof of insurance when registering a vehicle and renewing their license plates. You must keep some proof of insurance in your vehicle at all times. If a law enforcement officer asks for proof of insurance and you cannot show it, the officer will issue you a ticket.'



"The Department of Revenue will be notified that you do NOT have insurance on your vehicle or the vehicle you drive if you are in an accident or a police officer asks you to show proof of insurance. At any time, the Department of Revenue may also ask you to prove you have insurance."
tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 6175

Location: Salt Lake City, UT
375.37 Dollars($)

PostPosted: Mon Apr 27, 2009 4:12 am   Post subject:   

Okay Wade, have you tried cleaning the cache as well as the cookies of your computer? At times the problem may arise because of these factors. Please, try it and let me know the result. Meanwhile, I'd check things from my end.

evan
Moderator
Leave a quick message

evan

Joined: 01 May 2005
Posts: 1274


179.40 Dollars($)

PostPosted: Thu May 20, 2010 2:54 pm   Post subject: Insurance  

I had my car totaled, I am in the processing of suing the Insurance company. Do I still need to have Insurance even though the car is totaled?? I have to go to court for a ticket and they ask for Insurance.


_________________
Register Now to have your Insurance queries solved.
Del
Guest







PostPosted: Thu May 20, 2010 3:19 pm   Post subject:   

You should only need sufficient evidence to show that you were insured at the time of the loss. Ask your agent for a any records showing that you were covered at that time. Use bank records of automatic drafts, any cash payments you made, or canceled checks endorsed to show coverage at the time of the loss. An insurance card that shows your policy period from one date to the annual renewal will not show you actually made required payments or were actually covered at the time of the loss.



_________________

If you can't find the time to do it right, how will you ever find the time to do it over.
MikeoftheOzarks
Senior member
Leave a quick message



Joined: 10 Feb 2008
Posts: 605

Location: in the missouri ozarks
193.97 Dollars($)

PostPosted: Fri May 21, 2010 12:33 pm   Post subject:   

Del, I think you have two separate issues here

Quote:
...I had my car totaled, I am in the processing of suing the Insurance company. Do I still need to have Insurance even though the car is totaled??
If the car is non-driveable, does not have a lein, and is in a safe place, no you do not need insurance on it now.
Quote:
I have to go to court for a ticket and they ask for Insurance.
This is to prove you were insured at the time of your accident...maybe you didn't have your proof at the accident scene? What they (court) will want to see is that you had liability insurance in place on the date of loss.


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Tue Jul 27, 2010 6:51 am   Post subject:   

my car got totaled.but i want my 300 dollar muffler back... i owe 14,000 on that car and there gonna pay 13,000 and my gap insurance will take care of the difference. my question is if i take the mufflers out yeah the acv will drop..but will my gap insurance still take care of the difference?? my insurance will pay less than 1300 if i tak them out so therefore allstate saving money. will it be a problem?


_________________
Register Now to have your Insurance queries solved.
htown
Guest







PostPosted: Tue Jul 27, 2010 11:32 am   Post subject:   

You can take your muffler back, you will need to replace it on the totalled car. No GAP will not cover the difference.



_________________

65% of the time, it works all the time.



Public and Private Adjuster for:

Auto, home, marine and transportation liability claims.



Consumer Advocate in auto collision repair.

Know your rights! Please visit us @



http://www.stopsteering.com
Trench
Senior member
Leave a quick message



Joined: 16 Sep 2009
Posts: 908

Location: Kansas City
152.85 Dollars($)

PostPosted: Tue Jul 27, 2010 11:59 am   Post subject:   

Quote:
if i take the mufflers out yeah the acv will drop
yep, if you don't replace it....
Quote:
but will my gap insurance still take care of the difference??
nope...
Quote:
my insurance will pay less than 1300 if i tak them out so therefore allstate saving money. will it be a problem?
yep, you NOT your GAP carrier will be the one paying that 1300


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Tue Jul 27, 2010 4:10 pm   Post subject:   

Quote:
.but will my gap insurance still take care of the difference??
First, Allstate should resist letting you take the muffler if you are not going to replace it. They should do this by telling you that they will share this info with the GAP carrier and that the GAP carrier probably won't address Allstate's reduction in payment due to the vehicle having no muffler. Second, as mentioned, the GAP carrier should not address the reduction in payment because you removed parts from the vehicle.



Last... you paid _a lot_ more for a vehicle then it was worth (not just $1000) but you also put a $300 muffler on it... not a good use of money.
tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 6175

Location: Salt Lake City, UT
375.37 Dollars($)

PostPosted: Thu May 17, 2012 3:29 am   Post subject: refund  

my car was a total loss and my insurance paid for it. My policy is still active eventhough im not driving, should i get a refund? i paid full 6 months on my car insurance.


_________________
Register Now to have your Insurance queries solved.
just asking
Guest







PostPosted: Thu May 17, 2012 4:12 am   Post subject:   

Quote:
should i get a refund?




First, see my sig.



Most likely. Call your agent and ask that the vehicle be removed going back to the date of loss.
tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 6175

Location: Salt Lake City, UT
375.37 Dollars($)

PostPosted: Thu May 17, 2012 4:12 am   Post subject:   

Quote:
should i get a refund?




First, see my sig.



Most likely. Call your agent and ask that the vehicle be removed going back to the date of loss.


_________________

- If you did not start the original thread and have a new question... START A NEW THREAD!
tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 6175

Location: Salt Lake City, UT
375.37 Dollars($)

All times are GMT
 Previous  1, 2, 3  Next  
Page 2 of 3


Get free auto insurance quote
State Auto Insurance Laws in USA

USA Auto Insurance laws
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

AmPmInsure on Facebook



Page loaded in 0.256 seconds.