by autobodymom » Thu Sep 23, 2010 02:46 pm
I own a body shop and have a customers car in our shop. At the time of the accident my customer did not have her insurance card in the car and the car was impounded until she could show proof of Insurance. She went down the next day to the police department and showed her card from her insurace comany and we were able to go pay the storage and have the car towed to our shop. The other party that hit her were 100% responsible and were ready to pay out until they saw on the police report that it was impounded due to no insurance.
They then called her insurance company to verify insurance and found out her coverage had lapsed.
Since the car was financed the bank recieved a letter that her insurance had lapsed and put collision coverage on the vehicle that she paid for and it was added to her car payment. Can this claim be denied by either party? We are in NJ and just learning about the No Pay no Play law. Can someone help. Will I get paid by the bank now to fix the car?
They then called her insurance company to verify insurance and found out her coverage had lapsed.
Since the car was financed the bank recieved a letter that her insurance had lapsed and put collision coverage on the vehicle that she paid for and it was added to her car payment. Can this claim be denied by either party? We are in NJ and just learning about the No Pay no Play law. Can someone help. Will I get paid by the bank now to fix the car?
Posted: Thu Sep 23, 2010 07:02 pm Post Subject:
They then called her insurance company to verify insurance and found out her coverage had lapsed.
I don't know why they would care if it was just property damage.We are in NJ and just learning about the No Pay no Play law.
Sometimes (as above) I write some replies before reading the rest of the question... which is why I also included "property damage". No Pay, No Play should only apply to non-economic losses (pain and suffering). I don't know of any state where it applies to things such as property damage.Good to know NJ, where the uninsured rate was/is about the highest, that the state does not even take the time to personally confirm that the insurance card being shown is still valid.
If the other person's carrier is accepting 100% liability then they should be paying the owner of the vehicle. You'd then collect from the owner... as you would in an situation. If the claim was being filed under the owners collision coverage then the insured's name and other the lien holder or your name should also be on the check.
Posted: Mon Sep 27, 2010 03:48 am Post Subject: Best Auto Insurance
Post edited and link deactivated as per the TOS
Posted: Mon Sep 27, 2010 11:19 am Post Subject:
The other party that hit her were 100% responsible and were ready to pay out until they saw on the police report that it was impounded due to no insurance.
Whose view is it in reality? Were they really 100% at fault?
Since the car was financed the bank recieved a letter that her insurance had lapsed and put collision coverage on the vehicle that she paid for and it was added to her car payment.
Then it should be either you or the lien holder on the check.
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