The at-fault insurance company refuses to cover the storage fees for my totaled car. They’ve declared my car a total loss and have already offered me a settlement payout. However, they don’t want to take possession of the vehicle, likely to avoid paying the storage fees. I have no interest in keeping the car. Can they legally refuse to take ownership of it if I don’t want it?
The at fault insurance doesn’t want to pay storage fees for my totalled car
It’s frustrating to deal with insurance companies, especially in situations like this. Generally, once a car has been declared a total loss, the at-fault insurance company should legally assume ownership of the vehicle in exchange for the settlement they provide you. However, they are also responsible for managing any costs associated with the vehicle, including storage fees.
If they are refusing to take the car, it may be worth reviewing the terms of your agreement with them regarding the settlement and vehicle disposal. It’s typically in their interest to take possession of the vehicle, as they may need it to assess the damages further or for salvage purposes.
Here are a few steps you can take:
Contact your adjuster: Speak directly with the claims adjuster assigned to your case. Express your concerns about the storage fees and insist on their responsibility to remove the vehicle.
Review your settlement offer: Ensure that the payout offered covers any outstanding costs you may incur, or negotiate with them about including those fees in your settlement.
Document everything: Keep a record of all communication with the insurance company regarding this matter, including dates and the names of those you speak with.
Consider seeking legal advice: If the insurance company continues to refuse to take ownership of the vehicle, and you believe they are acting in bad faith, consider consulting with a lawyer specializing in insurance claims.
Look into local regulations: Some states have specific laws regarding total loss vehicles and the responsibilities of insurance companies. Familiarizing yourself with these can help in your discussions with them.
Ultimately, while they may try to delay or avoid taking the car, they should ultimately be held responsible for it, especially if you have no interest in keeping it.