by Guest » Fri Jun 07, 2013 03:00 pm
please read the whole story before the opinions. I bought a second car back in dec 2012, I have had the insurance until April 3rd on the car but on April 3rd I sign back of the car title and gave the car to my friend/my roommate. so I cancelled the insurance on that day. on the 5th, my car which I have owned for the last 12 years with insurance without any laps had a flat tire, although I put on the back up tire I didn't want to drive the car because it was raining and slippy, so I asked my friend to borrow the car I gave him to take the tire to the repair shop and he said ok. so I drove the other car (which I just cancelled the insurance two days before). I still have the insurance on my car the one that has a flat tire ok, unfortunately someone reared ended me, I called the police and I explained about the insurance the office had more interest in the other car than me and told me that I just need to talk to my insurance agent about it and let me go. then I called my insurance and told everything to my best of my ability. the other party admitted fault and the insurance pay to my roommate about $1350. so I thought everything was ok then like 6 week later they send me a letter saying that I may not have insurance cover the time of the accident because I was driving the car which I owned before.. let me make this clear tho I didn't report the insurance to get anything there was nothing really happened, just bumper to bumper, I didn't even claim PIP. my question is what should I do?
Posted: Sat Jun 08, 2013 04:04 am Post Subject:
I'm confused as you don't mention _who's_ insurance company paid for the damage to your friends car. I'm guessing it was your carrier who paid as you then menton that _you_ many not have insurance and may not cover you. So I'm guessing _your_ carrier paid your friend for the damage to his vehicle that someone else caused??????????????? That makes no sense. It also does not make any sense that they would pay.... and then say you may not have coverage. If you you may not have coverage.... why would they have paid?
None of this makes sense.
Posted: Sun Jun 09, 2013 12:38 am Post Subject:
the other party insurance paid for my friend car damages, the one that cause the accident. I didn't put any claim on my insurance I simply just let them know that I had a car accident.
Posted: Sun Jun 09, 2013 03:11 pm Post Subject:
So I'm still not clear... I guess _your_ insurance company sent you the letter? If you don't have an injury claim then it seems like everything was taken care of. I'd not worry about it.
If you notified your carrier, they set up a claim and would need to let you know if there were any coverage issues. They don't track ownership so I suspect they saw you insured the vehicle then removed it. So they think you may still own it.
I also don't see why you'd not be covered if you actually sold the car to your friend. However, I suspect that your friend does not have insurance on the vehicle and that the title was never changed with the DMV. If this is correct, you are not placing yourself in a very good position as everyone else thinks you still own the vehicle (esp. the DMV). You may need to show a copy of the title at some point showing that you don't own the vehicle. I'd certainly make a copy of the front and back of the title to show that you sold it. If your friend does not have insurance, he _will_ be in an accident and if an attorney wants to sue someone they will check to see who owns the vehicle. The DMV may show that you own it. Guess who gets sued then?
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