Coverage & Claims General Insurance

Will gap insurance cover a totaled vehicle?

Likely your gap insurance would not cover the difference if you take the lower payout. Most gap plans are written in a way that requires you to take the totalled vehicle payoff and apply it to the loan first.
Dec 6, 2020 Ceres, CA

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Coverage & Claims

If my policy ended before they sent me a check for a totaled vehicle, do I still need to pay for another policy?

If you no longer have the vehicle and you don't intend on insuring a new vehicle with the same company, you should be able to back date cancel it to the day after the accident. Your best bet is to call your carrier’s customer service line and see what they can do for you.
Nov 24, 2020 Broomfield, CO

Coverage & Claims

If I sell my totaled car before an insurance adjuster sees it, will I still be compensated for the claim?

It is best to wait and confirm whether the at-fault party has insurance or not. If they do, the insurance adjuster can take a look at your vehicle and collect the necessary data to move forward in the claim process.
Nov 9, 2020 San Francisco, CA

Coverage & Claims

Who gets the settlement check if I don't own the insured car?

The claims payout would go to the vehicle owner. Insurance companies will not pay a different party without permission.
Jun 22, 2020 Chico, CA

Coverage & Claims

Do I still need to pay my monthly premium if my car was totaled?

Sorry to hear about the accident. You should have no need to insure the vehicle further.
Jun 16, 2020 Richmond, KY

Coverage & Claims

What comes next after a total loss?

If your insurance company has deemed your vehicle to be a total loss, you can expect them to pay you the actual cash value of your car minus your deductible. See more about total losses in car insurance here.
May 11, 2020 Los Angeles, CA

Coverage & Claims

My car was a total loss. Will the other insurance send the money to my lienholder?

Sorry to hear about your situation. I would check with your gap coverage provider.
Mar 11, 2020 Columbus, OH

Coverage & Claims

Will gap insurance pay out if I buy the salvaged vehicle from the insurance company?

Your gap coverage should still cover the $2,000 owed on the loan regardless of what happens after that. I would definitely check directly with your insurance company to make sure there is no stipulation that prevents this if you choose to buy back the salvage title.
Feb 23, 2020 Madison, WI

Car Insurance Costs

My daughter totaled her car while she was covered under my insurance. How does this affect my rate?

If your daughter was the listed driver and the accident was logged correctly, most companies won't charge that against you. If you are looking to switch insurers and her accident comes up on your claims history, I would obtain proof or confirmation from that company that the claim wasn't yours so it can be cleared.
Feb 6, 2020 Yutan, NE

Coverage & Claims

If my car is determined a total loss in an accident, will my gap insurance cover the down payment used to secure my loan?

Gap insurance will only cover what is left on your loan after an insurance company pays out. Gap coverage is best purchased if you are going to have a difference between the loan amount and the value of the vehicle.
Feb 4, 2020 Manchester, TN

General Insurance

If the repair costs more than the car without an accident, will it still get totaled?

Your insurance company will never get involved in helping you repair your vehicle if there was no accident or other loss that caused the damage. Since there was no accident, you are on the hook for paying for your vehicle's repairs.
Jan 26, 2020 Wiggins, CO
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