Auto Insurance Claims/unique situation

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Expert: - 12/17/2009


Question
i was in an accident dec 17, in a truck insured by me, but owned by my grandmother. we were in the process of getting the truck signed over to me, but needed to file for a lost title. long story short, the truck had not been inspected, and i was using my old trucks' license plates. by the way the truck was totaled. am i likely to get a claim?

p.s. fault was not mine.

Answer
Jason,

All that matters is that the truck described on the declarations page is the one that got totaled. The wrong license plates does not excuse the insurer from their obligation to pay the claim. And most policies give you automatic coverage for 15 or 30 days for newly purchased vehicles. Read your policy on this.

To make the insurer feel comfortable, tell them to put your name and your grandmothers name on the check and let you and your grandmother decide who gets the money. As to the trucks settlement value, if you think you were lowballed, consider an eBook at UClaim.com entitled Total Loss Auto for Insureds.

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Ron Cercone

Expertise

How to handle automobile total loss claims. I am the president of UClaim.com, which sells 29 different eBooks I have written on how to maximize various types of auto, home and business claims and how to get coverage on denied claims. You may view their tables of contents online. Also available are very specialized eBooks such as on EUO (Examination Under Oath) for example. Also available is an assortment of policy forms used by the most popular insurers. The eBooks have a money back guarantee and currently include personal consultation with Ron Cercone.

Experience

I have been adjusting insurance claims since 1980. 1980 to 1995 adjusting for many insurers (6 years as an independent adjuster with my own company). Currently working as a public adjuster in California, since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.

Organizations
CAPIA (California Association of Public Adjusters).

Education/Credentials
BA 1975 in History and Industrial Arts. Full CV at UClaim.com .

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