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I need some legal advice for car insurance collision.

Customer Question
I need some legal...

I need some legal advice for car insurance collision

Lawyer's Assistant: What state are you in? It matters because laws vary by location.

California

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

Started the claim, filed a police report, and still waiting for insurance adjuster

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

Yes, there is a discrepancy w/ my coverage. I have the same insurance company but we're disputing over the transfer of my new car being covered over the old one that I already sold

Submitted: 5 months ago.Category: Legal
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Customer reply replied 5 months ago
I just downloaded the contract from car dealership
Customer reply replied 5 months ago
I also downloaded my car registration and my last insurance payment to my insurance company
Answered in 16 minutes by:
11/10/2017
Lawyer: socrateaser, Lawyer replied 5 months ago
socrateaser
socrateaser, Lawyer
Category: Legal
Satisfied Customers: 39,770
Experience: Retired
Verified

Hello,

California lawyer here.

What's your question exactly?

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Customer reply replied 5 months ago
Hi there
I need help expediting my car coverage. My insurance company states I never transferred my insurance over to my new car.
Customer reply replied 5 months ago
Its been 4 days since I filed the claim and nothing has happened. I need to know from the insurance whether to take my un-drivable car to a collision auto body shop or to junk it.
Lawyer: socrateaser, Lawyer replied 5 months ago

Has your insurance company been accepting your payments?

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Customer reply replied 5 months ago
I know I couldn't have driven a financed vehicle off the dealership lot w/o insurance and I also purchased GAP insurance same day. There was also no Binder contract.
Customer reply replied 5 months ago
the last payment 10/19 for 6 month coverage. But it doesn't state any auto information. I downloaded it to you as well if you can see it.
Lawyer: socrateaser, Lawyer replied 5 months ago

Legally, if the insurer is accepting your payments, then it must insure your vehicle, unless the value is disproportionate to the vehicle previously insured. I'd tell your insurer that you expect to be covered, and if they refuse, then take them to small claims court. You can sue for up to $10,000 in California, so that should more than cover the value of your car.

I hope I've answered your question. Please let me know if you require further clarification. And, please provide a positive feedback rating for my answer (click 3, 4 or 5 stars) -- otherwise, Justanswer retains your entire payment, and I receive nothing for my efforts in your behalf. Note: If you cannot find the rating button on your webpage, please just type in your rating in a response to this note, and customer service will apply the rating for you.

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Lawyer: socrateaser, Lawyer replied 5 months ago

Hello again,

I see that you have reviewed my answer, but that you have not provided a rating. Do you need any further clarification concerning my answer, or is everything satisfactory?

If you need further clarification, concerning this matter, please feel free to ask. If not, I would greatly appreciate a positive feedback rating for my answer (click 3, 4 or 5 stars) – otherwise, Justanswer retains your entire payment, and I receive nothing for my efforts in your behalf. Note: If you cannot find the rating button on your webpage, please just type in your rating in a response to this note, and customer service will apply the rating for you.

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Category: Legal
Satisfied Customers: 39,770
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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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