Miami, FL asked in Car Accidents, Insurance Bad Faith and Consumer Law for Mississippi

Q: Do I have to sign documents in the process of my auto insurance co. paying my auto finance co. for a total loss car?

My vehicle was considered a total loss on May 15th, 2022. The insurance company did not contact me about when they decided to make it a total loss. I had contact. them. the only time they contacted me was when. They received my recorded statement after that point. I was the one reaching out and contacting them in regards to the status of the settlement. And the status of my car I did not even know about them paying my finance company in regards to the amount or anything until after the fact. I've seen it on my credit report. And my online account with my finance company. I did not approve of the amount, nor was I given the option to. Approve it. The insurance company and finance company and the gap company all did the transactions without any of my agreement on any of it until after the fact. And still did not give me an option on whether I accepted or not. The main thing I wanna know is. Can they do this? The settlement? With my finance company and Gap company without me reviewing.

1 Lawyer Answer
Arthur Calderon
Arthur Calderon
  • Personal Injury Lawyer
  • Madison, MS
  • Licensed in Mississippi

A: It really depends on the circumstances; however, when it comes to the consideration of total property loss, the insurance company still has an obligation to keep their insured (you) in the loop. Assuming that they did not and that you have a lawyer representing you on any type of personal injury claim, then at the very least, they should have run it by your attorney.

1 user found this answer helpful

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