by jayson39648 » Sat Jul 17, 2010 02:54 am
If your brother was in a fatal car wreck and you paid the funeral cost. and you find out his auto insurance will cover the funeral cost. Can the insurance company write you out a check if you have proof or will the check go to the wife?
Posted: Sat Jul 17, 2010 06:36 am Post Subject:
Check goes to the wife unless willed otherwise. She's next in line.
Posted: Sat Jul 17, 2010 11:08 am Post Subject:
The check will always go to his beneficiary. But, you could perhaps inform your brother's wife about the expenses that you incurred. If she's in a good frame of mind, she might consider it!
Posted: Sat Jul 17, 2010 04:15 pm Post Subject:
It was his auto policy and he was only married 1 1/2 years. This was his second marriage..he was 49. it was a auto policy. if the auto policy states that the check goes for funeral expense shouldn't go to that. Can the wife just take the money and run. I had to take out a loan out on my truck to pay for it. Now she is moving and I dont think she will help out with the funeral. idk guess we will have to wait and see. If your car was in the shop can't the adjuster make check out to body shop. What would be the difference in this case? if i didn't pay for the funeral could the adjuster just of made the check out to funeral home?
Posted: Sat Jul 17, 2010 05:54 pm Post Subject: insurance
Ok.....here's something ELSE I'm confused on. How does an Auto Policy pay for a funeral?! I thought Life Insurance does that. I do think the wife should pay YOU,OP, for the money you are out IF that what was stated in the Auto Policy.
Posted: Sat Jul 17, 2010 06:16 pm Post Subject:
The check will always go to his beneficiary.
here's something ELSE I'm confused on. How does an Auto Policy pay for a funeral?! I thought Life Insurance does that.
In auto insurance there is no beneficiary, so that business is useless information.
An auto policy can pay for some of the cost of a funeral under Medical Payments coverage (usually this is no more than $5,000 in most policies, if it is there at all), or it can be paid for by a third-party's liability coverage under the Bodily Injury section if the result of an at-fault collision.
Can the wife just take the money and run. I had to take out a loan out on my truck to pay for it. Now she is moving and I dont think she will help out with the funeral.
Sad to say, if the check was made out in her name alone, it's her money and she can do as she pleases. Whether for funeral expenses, car repairs, gambling, or a new wardrobe and cosmetic surgery to fill it out. You cannot compel her to reimburse you, but you could eventually have a claim against her estate (which probably includes some of your brother's assets that passed to her at his death) some years down the road. So just keep the detailed records of the expenses you paid that, theoretically, she should have felt a responsibility to pay (with or without the means to do so).
Don't even think about suing her over this. It's a dead-bang loser unless she did something criminal.
Posted: Sat Jul 17, 2010 06:20 pm Post Subject: insurance
Makes sense, now. The way I was reading the post, was..that the Auto Policy was providing money for the ENTIRE funeral. :oops:
Posted: Sat Jul 17, 2010 07:12 pm Post Subject:
It could, but probably not with the limited amount of Med Pay coverage. It would have to be a genuinely "no frills" funeral. Just to cremate someone here in California can't really be done for less than $1000, even though prices less than that are often advertised.
And . . . in the smoggy "South Coast Air Quality Management District" -- LA, Orange, Riverside, San Bernardino Counties, mostly -- if a person who weighs more than 250 pounds is being cremated, there is an EXTRA fee to cover the "pollution" this will create -- have seen it priced as high as $450. In San Francisco, it can be as low as $75 extra. If you think I'm kidding? see http://www.cremationsoutherncalifornia.com/prices.htm
Posted: Sat Jul 17, 2010 08:08 pm Post Subject: insurance
WOW!!! That's crazy!! But..I guess the state of California had its laws. Just curious, MAX..do you happen to know if any OTHER state has this 'rule'?
Posted: Sat Jul 17, 2010 08:37 pm Post Subject:
No knowledge of cremation fees outside CA.
Posted: Sat Jul 17, 2010 10:42 pm Post Subject:
the check has not been issued yet. so if i turn in my cancel checks and bill from the funeral can he write the check out to me sense it was for funeral expense.
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