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dladiesgentleman | My insurance co totaled my vehicle and want to send my settlement to my finance co is that legal? |
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mbrcatz
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Not only is it legal, but if your finance company is listed as "additional insured" or "lienholder", it's REQUIRED. That's what those listings mean on your policy.
You see, you don't hold the title to "your" car. They do. They have FIRST DIBS on any money, to pay off the loan. Once the loan is paid off, then they sign the title over to you, and THEN it's "yours".
They will use that money to pay off the balance on your loan, and they should send you any leftover money. It should go out pretty quickly, like within a week or so. You might have to call them to remind them of that. |
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Brian G
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Not only legal, but required. You can also expect a bill from the finance company if the amount the insurance pays doesn't cover the amount you owe. If they pay more, the finance co. will send you the difference. |
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HC Investigator
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yes |
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kny390
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If your finance company is still owed money, they are entitled to get the amount due them. The rest is yours. |
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bundysmom
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Yes it's completely legal. Your finance company holds the rights to any settlement, not you. If the settlement is in excess of your loan then you get the difference. |
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Carrie C
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yes. Mine did the same thing. My problem was the other person didn't have insurance and it was his fault. I end up having to pay the deductible out of pocket. My insurance company told me when they got it from him by suing I would get my deductible back. Never happened. |
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fighting saints
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It is perfectly legal and part of any "Lienholders Clause" on an auto policy. It is designed to keep people from taking the settlement money and spending it without paying off the loan on the totaled out car. Way back in the old days when people took off with the money the bank would go back to the insurance company and try to have the insurance company pay the claim a second time.
If you owe the lienholder less then what the settlement is then sometimes 2 checks are issued. One to the lienholder for their portion then one to you for the balance. If you owe more than the settlement you will still need to make arrangements to pay off the balance or roll the balance into t a new car loan. |
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smiling_freds_biz_info
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Settlement is made to the owner of the vehicle. Simple. |
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