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Auto Insurance Claims/Auto policy insurer has died

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Expert: - 9/29/2009


Question
Does Full coverage insurance pay off the vehicle of the owner if  he or she dies with a remaing balance? Or does the benificiary inherit a car payment?

Answer
Hello Ricky,

No, most auto insurance is for theft and physical damage to the vehicle. You can check with an independent agent to see if this kind of insurance is available for cars. If this already occurred, look at the loan papers to see if there is a "death protection" clause. I don't know if a beneficiary inherits the car payments. Try asking an estate lawyer?

Auto Insurance Claims

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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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