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DARNELL | When a perosn passes away? |
will the insurance company or the car place payoff the car loan, or does the surviving perosn have to sell the car back? |
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Zarnev
|
If the deceased had credit life (which is normally a waste of money but in this case would be good) then the credit life would pay off the car. Otherwise, it is the surviving person (if they are on the loan) that is responsible for the car. If the deceased had regular life insurance and the surviving person is the beneficiary then they use the proceeds from the life insurance to pay it off. Depending upon the situation the money could also come from any estate left. Neither the auto insurance nor the car place will pay off the loan. It all depends on whether the surviving person is responsible. The car could also go into probate and the probate court will decide. |
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Daves Here
 |
That depends. You can take out a insurance policy on your car loan-to where if you die or become unable to work your car is automatically paid off and would go to whoever you left it to in your will. This is usually set up through the company that finances the loan, and is not part of your standard auto insurance. |
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Jolly
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If there's a death coverage on the loan, then yes, the loan will be paid via the insurance. But, if no insurance on life from the car loan company, then the estate of the deceased is responsible for the loan payoff. |
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THE SINGER
|
The Community has provided you some great information but keep this in mind - if you are the executor of a will (someone has appointed you to pay off all debts and settle any claims, etc) it is a huge responsibilty. I was a member of the family AND assigned to be the executor and it was a double-edged sword for more than a year. You must file probate to ensure that there are no outstanding debts belonging to the deceased and then you can settle any claims with family and and creditors. If you don't have the insurance on the vehicle for full payment, you might have to sell it in order to pay the debt off, or perhaps can transfer the loan. Seek some legal assistance also. Taxes are a definite involvement - and you can end up being responsible for any ourstanding taxes/ Good luck. |
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bunny
 |
If the car loan is in the name of a married couple, and one dies, the other will become the responsible party for paying off the loan.
Insurance companies don't usually get involved in paying off a car loan.
Grace |
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sarge927
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If a person passes away and the car loan isn't paid off, the loaning company has to file a claim against the estate of the deceased person to get the money. The executor of the estate would then have to pay off the loan or work something out with the loaning company to get them to buy the car back (IF they're willing to do that). The executor usually has the right to sell the deceased person's property and to liquidate any investments or insurance policies the deceased person had in order to pay expenses like car loans, credit cards, etc.
Does that help? |
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mbrcatz
 |
Car insurance doesn't automatically pay off a car loan. The car loan place doesn't automatically forgive a loan. Whoever the executor of the estate is, should pay off the loan as part of the estate settlement, if the money is there.
The "surviving person" has no right to the car, until the estate goes through probate. The executor can decide to have the car voluntarily reposessed, or to pay it off from the procedes of the estate.
The car is mainly owned by the finance company, until it is paid off. They have the title, and won't release it. |
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