Consumer Protection Law

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I bought a car and loan company activated loan insurance…

Customer Question
I bought a car...

I bought a car and loan company activated loan insurance policy. I was unable to finish paying for the car and the loan company was unable to repo the car, loan company collected the balance from the insurance company. I still have the car, am I required by law to pay the insurance company to get my title or since is an insurance policy I paid for they should release my title.

Lawyer's Assistant: What state are you in? And is a local attorney or other consumer protection advocate helping with this?

SC

Lawyer's Assistant: What steps have you taken so far?

I contacted them the ask for the balance it’s been a year now they still haven’t sent my title or written any letter

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

That’s it

Submitted: 3 months ago.Category: Consumer Protection Law
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Answered in 17 hours by:
3/25/2018
Consumer Protection Lawyer: Josie-Mod,
 replied 3 months ago
Josie-Mod
Category: Consumer Protection Law
Satisfied Customers: 12
Verified
Hi, I'm Josie, a moderator for this topic.
I've noticed you have not yet received a response to this question.
I wonder whether you're ok with continuing to wait for an answer.
If you are, please let me know. If not, feel free to let me know and I will cancel this question for you.
Thank you!
Ask Your Own Consumer Protection Law Question
Customer reply replied 3 months ago
I don’t understand, I have paid but I don’t want a monthly account
Consumer Protection Lawyer: HCLegal, Lawyer replied 3 months ago
HCLegal
HCLegal, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 430
Experience: I have won over 1500 Debt Lawsuits, saving my clients over $12,000,000.
Verified
HI and thank you for your question. The bot***** *****ne is that it depends on how the insurance contract was written. Most of the insurance policies that I have seen will make your monthly payment if you become unemployed or disabled. If that is the case and that is the type of insurance that you had and it paid off the car then YES you should get the title from the car finance company. The finance company should have sent it directly to you and not the insurance company.I would first call the finance company and ask them why they haven’t sent you the title if the car was paid off. If they sent it to the insurance company you should call them and demand that they send you the title.If they don’t then you might have a claim against them for things such as breach of contract or conversion. You would need to contact an attorney in your area to assist you if they don’t give you the title.Please let me know if you have any other questions. If not please be sure to leave me positive feedback as that is the only way that I will get credit for answering your question today.Thanks!Customer
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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