![]() You will not be required to pay a deductible if you make a claim through the other driver’s insurance company. State regulations can play a part in how the payout is handled, according to Friedlander. But if you’ve got a loan or lease, you may be required to spend the insurance money on repairs. If you make a claim against someone else’s car insurance, typically the claim check will be written only in your name, Friedlander says. This may happen, for example, if another driver hits you and you file a claim against their liability car insurance. The insurance claim payout situation differs if the payment comes from another driver’s insurance company. When you make a claim with someone else’s insurance company Or they may have you show proof through photos or other documentation that the car is fixed, and then sign the check and send it to you to pay the bill. Usually, the lender or leasing company will require you to fix the vehicle, and may even ask you to sign the check over to them, and allow them to pay the auto body shop directly. In cases where the check is made out to you and a leasing or finance company, Friedlander says the leasing company or lender would need to endorse the check before you cash it. ![]() If the car is leased, the claim payout goes to you and the leasing company.If you still owe money on a car loan, the lender most likely will receive the insurance check, but in some cases the check may be written out to both you and the lender. ![]()
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