• Car is damaged but i dont have full coverage insurance. When i financed the car i told i have gap coverage. Can gap pay for a new vehicle?

    Best answer: IF, you did not buy full coverage which means both collision and comprehensive to protect the (lender), then even if you have GAP, then GAP pays zero. GAP pays (after) insurance pays if the vehicle is totaled or stolen, and what is (not) paid, then GAP takes over what insurance did not pay. So (if) no... show more
    Best answer: IF, you did not buy full coverage which means both collision and comprehensive to protect the (lender), then even if you have GAP, then GAP pays zero.

    GAP pays (after) insurance pays if the vehicle is totaled or stolen, and what is (not) paid, then GAP takes over what insurance did not pay. So (if) no insurance, then there is NO GAP to cover.


    And no, you can't upgrade, then have it fixed, since that is insurance fraud, and I can guarantee they will verify when the accident happened, plus the (time) you upgraded it, thus they will deny it.

    But if the vehicle is NOT totaled, then GAP does not come into play, and only your collision coverage pays to fix it, thus if you did not buy, then insurance won't pay to have it fixed.

    Based on your prior questions, you want out of this auto loan and due to this accident "thought" that GAP would pay off your car loan, but IF not totaled, then GAP is not involved.
    12 answers · 15 hours ago
  • I was involved in fender bender auto accident, other driver wants me to pay out of pocket for repairs, but also wants money for car rental?

    Should I pay for her repairs and car rental or just go through my insurance? There is no cost to me to go through insurance, I have no deductible and first accident forgivesness. The only thing is my rates will go up if I have a second accident if I file a claim. I've been with my insurer for several years.
    Should I pay for her repairs and car rental or just go through my insurance? There is no cost to me to go through insurance, I have no deductible and first accident forgivesness. The only thing is my rates will go up if I have a second accident if I file a claim. I've been with my insurer for several years.
    28 answers · 2 days ago
  • Does my insurance go up if someone hits me?

    This is my first car and I'm not sure how all this works. Last Thursday someone was drunk and came over to see my roommate and they hit my car. The damage isn't horrible but my front door is jammed shut. I didn't find out until Friday, I filed a police report on it. I contacted the woman who hit my car... show more
    This is my first car and I'm not sure how all this works. Last Thursday someone was drunk and came over to see my roommate and they hit my car. The damage isn't horrible but my front door is jammed shut. I didn't find out until Friday, I filed a police report on it. I contacted the woman who hit my car and today she sent me a photo of her insurance card so tomorrow I'm going to contact my insurance but I'm not sure how this is going to work? Someone told me her insurance company will have to pay my deductible and that only her rates will go up? I have zero money to spend right now on a deductible or anything for that matter so I'm nervous about all of this.
    12 answers · 2 days ago
  • Car insurance help?

    My car got hit and the other persons insurance should cover the damage. The Collison place said the suspension was messed up so the other persons insurance company said that the car will be totaled instead of paying to get it fixed. Do they have the right?
    My car got hit and the other persons insurance should cover the damage. The Collison place said the suspension was messed up so the other persons insurance company said that the car will be totaled instead of paying to get it fixed. Do they have the right?
    7 answers · 11 hours ago
  • Do i need a parent in the car when i drive if i’m 18? in illinois?

    i can’t find anything on the web for my question. but i took the required 6 hour class a week ago and i’m turning 18 in two days and once i go to the DMV do i get a real license or a permit?? do i need a parent to drive with me in the car for a certain amount of time ??
    i can’t find anything on the web for my question. but i took the required 6 hour class a week ago and i’m turning 18 in two days and once i go to the DMV do i get a real license or a permit?? do i need a parent to drive with me in the car for a certain amount of time ??
    8 answers · 2 days ago
  • I was in a 4 car accident, why am I getting blamed?

    Driver 4 -> Driver 3 -> Driver 2-> Driver 1 Okay Driver 1 is chugging along and breaks all of a sudden(cause of bad traffic, she said), Driver 2 could not stop in time, rear ended Driver 1(which made his air bag deploy & hurt his hand enough to where he filed a report when he was at the hospital). I... show more
    Driver 4 -> Driver 3 -> Driver 2-> Driver 1 Okay Driver 1 is chugging along and breaks all of a sudden(cause of bad traffic, she said), Driver 2 could not stop in time, rear ended Driver 1(which made his air bag deploy & hurt his hand enough to where he filed a report when he was at the hospital). I am Driver 3 and I stopped in time to where I did not hit Driver 2 s car. Driver 4 could not stop in time and rear ended my car(He ended up totaling his car, lights were all shattered and fluids leaking) Which made me hit Driver 3. Whose at fault? Driver 2 is blaming me and wants me to pay for his car and hospital bills. Uhm wtf. I only hit his car cause Driver 4 hit me in the back first. Can I prove I am right with the pictures I have of my car? There is really no damage at all in the front of my car, and in Drivers 2 back bumper are small license plate dents. I wish I could upload pics! Help! Do you think the virtually non existent damage to my car helps me in this case?
    26 answers · 6 days ago
  • Car insurance cancelled?

    So my car insurance has been cancelled due to non-payment and I’ve been given two weeks notice. I wasn’t able to pay due to my job cutting down my hours but I’ve now got a new job. I’ve been looking for new insurance but no where will offer me car insurance now. If I cancel my insurance before the notice runs out,... show more
    So my car insurance has been cancelled due to non-payment and I’ve been given two weeks notice. I wasn’t able to pay due to my job cutting down my hours but I’ve now got a new job. I’ve been looking for new insurance but no where will offer me car insurance now. If I cancel my insurance before the notice runs out, does that still count as my insurance policy being cancelled?
    11 answers · 3 days ago
  • Is the DMV supposed to keep your title?

    Best answer: That's right, Jamal. The DMV will retain the original title which you gave to them to transfer title into your name. If you did apply for a title transfer the original title is now null and void. Tracking?
    Best answer: That's right, Jamal. The DMV will retain the original title which you gave to them to transfer title into your name. If you did apply for a title transfer the original title is now null and void. Tracking?
    5 answers · 21 hours ago
  • Applying for car insurance during the car crash?

    Best answer: Insurance fraud.
    Best answer: Insurance fraud.
    18 answers · 7 days ago
  • Will my rates go up after accident and ticket?

    In an accident where other driver was found 100 percent at fault. Got a running a red light ticket but it was overturned in court.
    In an accident where other driver was found 100 percent at fault. Got a running a red light ticket but it was overturned in court.
    12 answers · 4 days ago
  • My car was hit while parked, will insurance pay me if totaled?

    So my car a 2017 focus ST was hit while it was parked outside my house, I submitted a claim on the at fault drivers policy. I spoke to the body shop and the estimate to fix is 22k,they told me it’s most likely a total lost, now I know the car it’s no worth that much, but the coverage of the at fault driver is only... show more
    So my car a 2017 focus ST was hit while it was parked outside my house, I submitted a claim on the at fault drivers policy. I spoke to the body shop and the estimate to fix is 22k,they told me it’s most likely a total lost, now I know the car it’s no worth that much, but the coverage of the at fault driver is only 15k property damage. If they decide to total my car does that 15k coverage that the at fault driver matters at all? Or will they pay me regardless of his coverage? Thank you.
    10 answers · 4 days ago