You are here:

Auto Insurance Claims/Rejection of Car Insurance claim


I have just purchased a car, which has a loan on it for total of 5 years, when I bought the vehicle I still had to pay loan for about years 6 months. This car belongs to my friend and I decided to continue the loan by paying some amount as down payment to him. Just for our records we made an agreement on a bond paper regarding the same. As there is still loan on the vehicle the actual owner remained the same. Recently the same car met with an accident & I had to claim the insurance. The insured is the same person who is the actual owner. I got all the paper work done, however I said to the Insurance company that I bought the vehicle and provided the agreement documents to them. Now they rejected the claim saying, if any sale happens in between the claim gets rejected irrespective of who is the owner of the vehicle as per RTA records. What should I do in this case. Please suggest. Please respond ASAP

I don't know what "RTA records" means. But I would think that the insurance company has to pay someone if they were collecting premiums. They normally pay whoever the car is titled to and the leinholder, if there are payments being made to a bank or lender, who would also be listed on the title. And the insurer could list several names on the check, such as your name and the owner and the insured, and let you guys decide who gets what. And if you cant work it out, then go to court and let a judge decide who gets what parts of the payment.

Ron Cercone

Auto Insurance Claims

All Answers

Answers by Expert:

Ask Experts


Ron Cercone


How to handle automobile total loss claims. I am the president of, 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.


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.

CAPIA (California Association of Public Adjusters).

BA 1975 in History and Industrial Arts. Full CV at .

©2017 All rights reserved.

[an error occurred while processing this directive]