If your car was repossessed during an insurance investigation fraud should they have to pay for another?
LueLue asked:
A friend’s car was repossessed during an insurance investigation, he was unable to go to work because the insurance company didn’t finish the investigation in ample enough time. The insurance company was going to give him $2500 to get the car fixed before the investigation. Now the insurance company is saying that they are going to pay him for pain & suffering and the damages to the car. Are they going to buy him a new car being as though there was no fraud?
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on Saturday, December 26th, 2009 at 6:43 am and is filed under Insurance & Registration.
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A friend’s car was repossessed during an insurance investigation, he was unable to go to work because the insurance company didn’t finish the investigation in ample enough time. The insurance company was going to give him $2500 to get the car fixed before the investigation. Now the insurance company is saying that they are going to pay him for pain & suffering and the damages to the car. Are they going to buy him a new car being as though there was no fraud?
December 29th, 2009 at 5:02 am
Your friend can clam loss of use ,and business expense and lost time. BUt he will have to prove it and his employer will have to support it. He needs to notify the adjustor now he is making a claim for personal damages.. thats what its called and find out what that adjustor wants. if they give him a hard time, contact a liability lawyer to handle the case.. youre moving into complicated areas, cause the insurer was neglectful in handling the loss and may owe damages paid on top of the property damage due to mishandling. IF your friend can prove it. Peach
December 29th, 2009 at 11:47 pm
they would never actually buy him a physical vehicle but what they usually do is give him the amount his old car was worth. He needs to fight this and explain theres no way he should have to buy a used car (which is all hes going to get from what they give him) and the car he did have was a reliable vehicle so he wants an amount of money to buy a new vehicle that has the same reliability as the one he previously had. also have him get a letter as to what was happening from the insurance copany to give to the repossesion department so they repo can possibly be removed or written as falseley reported on his credit report LAUREN M
December 31st, 2009 at 3:18 am
When I go looking for replacement car insurance is a fast and easy way to save your money. You can get a simple quote at websites they always give you competing quotes.
I have used Fidel S
December 31st, 2009 at 11:43 am
The only reason the friends car would be repossessed is because the payments were not made and the bank wasn’t told anything. He could have rented a car, car pooled, used public transportation, or any of a number of things to get to work. He didn’t have to stay home because the insurance was investigating the loss.
No, at best they will make up his losses and give him fair market value for the car that was stolen. Although I have to wonder how the bank found the car to repossess it.
The best source of answers for your friend will actually be his insurance company. oklatom
December 31st, 2009 at 10:52 pm
No. His car was repossessed because he didn’t make his payments. It was still his responsibility to make car payments even if the car wasn’t available to him. The insurance company doesn’t owe him a new car. Scott H
January 1st, 2010 at 8:45 am
LueLue, For car insurance the quick method to get a free quote is do a auto policy comparison. Be sure to choose the same coverage levels, you can get an fast quote to compare against others. Use the same zip code, auto make and model, mileage and driving history to ensure you get accurate comparison. To get easy auto quotes, go to and you can compare the major auto insurance companies. Zela K