Q: An insurance company denied the claim
I live in Texas and have an insurance from Texas as well. I was visiting my wife in Arizona and she got in accident driving my car. The insurance company asked me for proof of ownership of the vehicle I sent them a bill of sale for a full purchase date 02/08/2023 as I paid half of the price to my cousin already. I was enrolled in the insurance plan 12/07/2022. After 2 months they called me and said your case is denied because you were not the owner of the car. I told them that I can prove that I have paid the half of the price but they hang up on me. Now the another driver is asking for a large amount of money while his car is 1996 and asking for costs of medical bills. He’s texting my wife daily so should she answer him? Should I talk to Texas department of insurance? Or should I hire a lawyer? Please help me as me and my wife are both students and would never have money to pay.
Note: I do jot have a DMV title under my name because I was out of country.But I have paid for the car
A:
I would send the insurance company a copy of your car title and registration, and ask it to reconsider.
A bill of sale can be easily falsified or manufactured, particularly if a relative is involved.
The actual certificate of title is what shows who the actual owner of a motor vehicle is.
The fact that there is a lender or previous owner providing seller-financing with a recorded lien should not effect actual ownership.
A: You could ask them in writing what they require to prove ownership. It's likely going to be a title. Those can take time to materialize, but if the transaction was in February 2023, check with DMV if it is available. Good luck
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