Q: GAP insurance co refused to talk to me. Told me they were communicating with Geico. Now I'm stuck with balance.
I totaled my car in April 2017. The car was in my dad's name and I was listed as the co-signer. I had insurance though Geico and GAP coverage I purchased from the dealership. I had a concussion so my mom was taking care of most of the paperwork from the accident. She had a hard time getting the pay off amount from them. Geico sent a check to Capital One Auto Finance for the value of my car and GAP was supposed to cover the rest. When I tried to contact them to get everything settled I was told by the GAP company that I didn't need to know my payoff amount and they were communicating with Geico and that I didn't need any further information. He was really rude. I had called Capital one and they said they recieved a check from Geico and they told me to call GAP. So I've been since May thinking that the car was paid off and that everything was taken care of and when I pulled my credit report I saw that I owe $2,109. What can I do? GAP has to be done within 90 days of the accident.
A: Talk to the lender. If yoiu still owed for sure they would let you know. But if you still owe, then call Gap, ask for a supervisor, explain what happened and as you are the insured,policy holder they must speak with you. If you get no satisfaction contact the Colorado AG's office of Consumer protection & the insurance commissioner. Send a written demand (hard copy) to GAP certified return receipt demanding they pay.
Use the Fair Credit Reporting Act to explain you had coverage but insurer dropped the ball.
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