Insurance wreck payment question. Please enter

[GE]

You're acting like that's the norm... get out of here with all that extra leg work bullshit. I have had this same question hit me a THOUSAND times and I used to always answer with your exact response, but claims offices across Texas have proved that statement wrong time and time and time and time and time again.

Usually, if it's not asked or told, it's not checked. That's just been my experience.

So what your saying is, it can happen? Amirite?

[Hay Burner]

If I ran a DMV check, and the car isn't titled to you, and you don't have the title in your name, or at least signed over to you, you ain't getting paid.

This is the way it is supposed to be. It is policy with some companies to run a DMV when a check is issued Insured or Claimant. And yes it is a pain in the ass.

[kevinmandez]

You should get your insurance provider to contact the other party and resolve this entire situation. Car insurance companies have the means, resources, and knowledge to take care of situations like this. Besides, you’re paying them to do it! Let them know about your situation with the title and ask them if you’re covered.

[1fast4]

If it's not a total loss, then they don't even need to know about the title. Just set up the claim with the at fault persons insurance, be sure to ask for a rental car and compensation for lost wages for any paid time missed as part of the accident/repair process.

pm me if you have any questions and wanna chat it up

Thanks for the info and offer!!!

We called it in yesterday am about 9 and didn't hear back yesterday. I will be following up on it today to see what's up.

And yes we have the title that has been signed over.

We will definitely be asking for a rental. Hadn't thought about the lost wages thing.

Will update status. His Ins Co is State Farm if any one has had success or issues dealing with them in the past.

[GE]

You should get your insurance provider to contact the other party and resolve this entire situation. Car insurance companies have the means, resources, and knowledge to take care of situations like this. Besides, you’re paying them to do it! Let them know about your situation with the title and ask them if you’re covered.

No you're not. You pay your insurer to handle 1st party claims and to defend you in a 3rd party liability defense situation. Not handle YOUR 3rd party claims against another person/insurance carrier. Let me guess, you work for The Hartford or somehow have a dog in the fight.

[Big A]

No you're not. You pay your insurer to handle 1st party claims and to defend you in a 3rd party liability defense situation. Not handle YOUR 3rd party claims against another person/insurance carrier. Let me guess, you work for The Hartford or somehow have a dog in the fight.

I suppose that is a matter of opinion, and I can see why you feel that way. I personally have spent alot of money on insurance in my driving career, and you're damn skippy that I think that my carrier should make sure that things are handled.

Regardless of any of that, it is in their best interest to see that things are handled, because if not, that third party claim turns into a first party claim. In which my insurance would be footing the bill for repairs. A little leg work on thier part is going to be far cheaper than fixing my car minus the deductable.

[GE]

I suppose that is a matter of opinion, and I can see why you feel that way. I personally have spent alot of money on insurance in my driving career, and you're damn skippy that I think that my carrier should make sure that things are handled.

Regardless of any of that, it is in their best interest to see that things are handled, because if not, that third party claim turns into a first party claim. In which my insurance would be footing the bill for repairs. A little leg work on thier part is going to be far cheaper than fixing my car minus the deductable.

Do you want them to wipe your ass for you when you take a dump, too?

[Hay Burner]

You should get your insurance provider to contact the other party and resolve this entire situation. Car insurance companies have the means, resources, and knowledge to take care of situations like this. Besides, you’re paying them to do it! Let them know about your situation with the title and ask them if you’re covered.

No you're not. You pay your insurer to handle 1st party claims and to defend you in a 3rd party liability defense situation. Not handle YOUR 3rd party claims against another person/insurance carrier. Let me guess, you work for The Hartford or somehow have a dog in the fight.

This.
I know The Hartford will not have anything to do with another third party claim.

[Hay Burner]

I suppose that is a matter of opinion, and I can see why you feel that way. I personally have spent alot of money on insurance in my driving career, and you're damn skippy that I think that my carrier should make sure that things are handled.

Regardless of any of that, it is in their best interest to see that things are handled, because if not, that third party claim turns into a first party claim. In which my insurance would be footing the bill for repairs. A little leg work on thier part is going to be far cheaper than fixing my car minus the deductable.

You need to read your policies a little closer. Or is the insurance company "fucking" you by not going beyond the responsibilities that you agreed to when you bought the policy?