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Auto Insurance Claims/MY CAR IS A TOTAL LOSS

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Expert: - 11/1/2011


Question
A drunk driver crashed into my parked car, and now the insurance company is deeming it a total loss. I have a loan on the car, so b/c of this the insurance company is going to write the check directly to the loan company. Now I'm at a loss w/no car, and no money down for another car. How is this right? What can I do? Can I hire an attorney to take on my case? I'm not the one who crashed my car. Shouldn't they be responsible for making me whole again? I'm the victim here, and am getting screwed over.

Answer
Michelle,
It depends on the law in your ztate. They may have to include your name on the check. And if you fix the car, the money should go to you. Also, you may get to buy the salvage back. And read your sale contract with the leinholder to see what it says under "in case of loss or damage". You are also entitled to any "left over" money after the loan is paid off. You have a right to see the amount paid by the insurer. If you think it was under paid or lowballed, get an eBook from www.UClaim.com on Total Loss Auto Claim Advice.

Ron Cercone
http://www.UClaim.com

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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