• Should I file a car insurance claim?

    8 answers · 3 days ago
  • What can I do if my car was repossessed after it had fully paid off?

    Best answer: If you list the lender name you might get some more specifics such as who to contact. But I understand if would not want to do that. Has the payment been made? I can't imagine a larger and/or professional lender doing this, it just makes no sense. Sure the lender/bank would want to verify a claim is being... show more
    Best answer: If you list the lender name you might get some more specifics such as who to contact. But I understand if would not want to do that. Has the payment been made?
    I can't imagine a larger and/or professional lender doing this, it just makes no sense. Sure the lender/bank would want to verify a claim is being processed by speaking your claims rep. But even these lenders do things that do not make sense, they just have a process and no one is really evaluating the situation.

    1. Not being negative, but for others reading, do not assume your car will not be repoed if you have an open insurance claim/pending payment, etc. EVEN if some customer service reps tells you it will not. A. they may not really know what is happening in the repo department, and B. they may be lying so you do not hide the vehicle.
    2. You need to get a single point of contact. One manager to speak with, then get their managers name.
    3. Immediately send a short letter via overnight mail to the collections office. Try to get a specific address, do not send it to the company headquarters or a branch, it will get lost. My car was repossessed while in the process of waiting for an insurance claim to pay off the loan. This is very unfair and makes no sense for Jumbo Bank or me. I had been in contact with customer service reps on this issue many times. NO ONE told me my car was at risk of repossession. This is clear violation of the normal lending practices not to repo vehicles with pending insurance claims. And my insurance company of course has an interest in the vehicle and the repo creates a big mess for all three parties.
    Keep a copy of the letter and mailing documents.
    Log all calls, who you spoke with, date, time, and notes on conversation.
    3. The main thing is get the towing company to hold the vehicle.
    4. if you can afford it hire an attorney. they would need to call your contact and say, Stop taking any further action.
    5. find the number email address for the Ombudsman, call them, then follow up with a fax if possible.
    You need to create a paper trail here.
    6. continuing to call random customer service reps is a waste of time.
    Hope it works out.
    15 answers · 7 days ago
  • I got into a car accident, then 2 months later my car note is paid by insurance, now i got a letter from the bank to turn in my car?

    The Car dealship that my car was originally bought from has closed down... I got into a car accident, then 2 months later my car note is paid by insurance, now i got a letter from the bank that financed my car stating to turn my car in to an auction, if my car is paid off by insurance, is that my only option in... show more
    The Car dealship that my car was originally bought from has closed down... I got into a car accident, then 2 months later my car note is paid by insurance, now i got a letter from the bank that financed my car stating to turn my car in to an auction, if my car is paid off by insurance, is that my only option in that situation? PLEASE I NEED HELP
    12 answers · 5 days ago
  • I don’t have full coverage how can I fix my car?

    I only have liability and my car is are 9000 in damages to get repaired how can I pay for it? I don’t make near enough to pay out of pocket.
    I only have liability and my car is are 9000 in damages to get repaired how can I pay for it? I don’t make near enough to pay out of pocket.
    27 answers · 7 days ago
  • Should I get my driver's license?

    I'm turning 16 next month, and I kinda want to get my driver's license. My mom said I would have more freedom. I'm homeschooled, I have no friends and I have no job, so I don't see why I would need my driver's license. Should I still get it?
    I'm turning 16 next month, and I kinda want to get my driver's license. My mom said I would have more freedom. I'm homeschooled, I have no friends and I have no job, so I don't see why I would need my driver's license. Should I still get it?
    20 answers · 6 days ago
  • Is it illegal to have a liability coverage and have an accident and switch then wait to claim it so full coverage will pay for it?

    I have liability and I need my car fixed it won’t fix I really cannot afford to fix it or to get full coverage but I need my car fixed so could I?
    I have liability and I need my car fixed it won’t fix I really cannot afford to fix it or to get full coverage but I need my car fixed so could I?
    23 answers · 7 days ago
  • I got ripped off by my car dealer. What can I do?

    I signed a contract for a new 3-year lease 2 weeks ago. I got a 2018 Mazda CX-5 and was too excited that I pulled the trigger and picked it up without doing my research (rookie mistake, I know). My monthly lease payment is $508. I found out this morning that the average monthly lease payment for the same car is... show more
    I signed a contract for a new 3-year lease 2 weeks ago. I got a 2018 Mazda CX-5 and was too excited that I pulled the trigger and picked it up without doing my research (rookie mistake, I know). My monthly lease payment is $508. I found out this morning that the average monthly lease payment for the same car is under $350 at most other dealerships. Is there anything I can do to get out of this or to lower my payment? Perhaps some kind of consumer protection law. I would really hope I don't have to live with this "rip off deal" for an entire 3 years!
    28 answers · 1 week ago
  • Parents forced me to get my license but won't let me get a car?

    My parents forced me to take my road test on my 17th birthday. They said I was "taking it whether you like it or not. You need to drive as soon as possible." However, now that I actually have my license, they won't let me get a car. I have money saved up, but they keep saying that they don't want... show more
    My parents forced me to take my road test on my 17th birthday. They said I was "taking it whether you like it or not. You need to drive as soon as possible." However, now that I actually have my license, they won't let me get a car. I have money saved up, but they keep saying that they don't want me having my own car yet. They won't let me drive either of their cars unless they're in it with me. Given the circumstances, why would they force me to get my license?
    13 answers · 6 days ago
  • Is it possible to lie about getting a restricted waiver for driving?

    ok, so i live in south carolina and i’m turning 16 soon. to be able to drive until 12 am you need a special waiver that u can get by applying. in order to do this you need an official letter from your school/ employer stating that the regular restricted hours interfere with your ability to do extracurricular... show more
    ok, so i live in south carolina and i’m turning 16 soon. to be able to drive until 12 am you need a special waiver that u can get by applying. in order to do this you need an official letter from your school/ employer stating that the regular restricted hours interfere with your ability to do extracurricular activities or work. my only problem is i quit playing sports this year and i don’t have an official job because i babysit. I do need this waiver because i often babysit at night and i have to drive myself home. does anyone know if the dmv would accept a letter from literally just a mom i babysit for saying that i need a waiver? because that’s not very official and i’m not sure how that would work. so basically i’m asking, would this work? and if not is there ANY way around it that i could get a note? could i make one myself? i really don’t know help!
    8 answers · 4 days ago
  • So the cops just towed my “parked” car while I was inside my house?

    So the cops just towed my “parked” car while I was inside my house they ran my vin number an saw the dealership paper on the windshield an they said they were taking it for not having a “registration” I just bought the car so I have no registration an i told him that’s why I don’t move it but they continued an... show more
    So the cops just towed my “parked” car while I was inside my house they ran my vin number an saw the dealership paper on the windshield an they said they were taking it for not having a “registration” I just bought the car so I have no registration an i told him that’s why I don’t move it but they continued an towed it anyway is that legal ?
    12 answers · 6 days ago
  • If my car is still messed up after paying to get it fixed do i have to pay again?

    I had to pay $168 to get my A/C fixed that was working perfectly fine before bringing my car in to the shop for a another issue. Now my air conditioning went out again and they're saying that they have to do extensive work in order to find out the deep-rooted problem and that I possibly might have to pay more... show more
    I had to pay $168 to get my A/C fixed that was working perfectly fine before bringing my car in to the shop for a another issue. Now my air conditioning went out again and they're saying that they have to do extensive work in order to find out the deep-rooted problem and that I possibly might have to pay more money. If I already paid the $168 should I have to pay for another repair?
    8 answers · 5 days ago
  • No fault accident - Woman still pursuing charges?

    There was a no fault accident in Ohio where the woman crossed over the line in a turn and bumped us. Cops were called, cops deemed it no fault. Her insurance contacted us in attempt to collect, our insurance denied and we received a bill for 3 grand. How can I legally fix this issue? It wasnt even our fault.
    There was a no fault accident in Ohio where the woman crossed over the line in a turn and bumped us. Cops were called, cops deemed it no fault. Her insurance contacted us in attempt to collect, our insurance denied and we received a bill for 3 grand. How can I legally fix this issue? It wasnt even our fault.
    14 answers · 7 days ago