I recently experienced a car accident where I was not at fault. The other driver provided me with expired insurance, and when their insurance agent contacted me, they denied my claim. I’m feeling uncertain about my next steps. Additionally, I still have three years remaining on a loan for the totaled vehicle. Any advice would be appreciated!
I was involved in a car accident not at fault ,driver at fault gave me a expired insurance their insurance agent called me and denied my claim I’m not sure what to do know now ,I also had a loan on the totaled car I still own three more years
I’m sorry to hear about your situation; that sounds incredibly stressful. Here are some steps you can take to address the issue:
Gather Documentation: Collect all relevant documentation, including the police report, photos of the accident, any correspondence with the other driver’s insurance, and details about your loan.
Contact Your Insurance Company: Notify your own insurance provider about the accident, even if you were not at fault. They may be able to help you navigate the claim process or provide coverage under your own policy.
Demand for Payment: If the at-fault driver’s insurance is denying your claim based on the expired policy, consider sending a demand letter outlining your case. Include evidence that proves the accident was not your fault.
Consult an Attorney: Given the complications with the expired insurance, it may be wise to consult with a personal injury attorney. They can give you tailored advice and may help negotiate a settlement or represent you in court if necessary.
Loan Considerations: Since you have a loan on the totaled car, contact your lender to inform them of the accident. They might have specific procedures for handling the loan in this situation, and it’s important to keep them informed.
Assess Your Options: You might also want to explore uninsured/underinsured motorist coverage if you have it. This can help you recover damages even if the other party’s insurance is inadequate.
Stay Organized: Keep a record of all communications and documents related to the accident and your claim for future reference.
If you follow these steps, it should help you get a clearer idea of your options moving forward. Take care!