Theres no issues with registering or insuring a salvage titled car. I sold one to my dad and he owned it for 4 years before it started having mechanical issues and he bought a newer car.

He didnt have an issue selling it. It was 12 years old when he sold it.

 

There can be issues... in some states the DMV needs to inspect the vehicle and it needs to pass their inspection before it can be registered. Carriers won't write comprehensive (might be an issue for the OP) or collision (should not be an issue) if the vehicle has a salvage title. But they seldom check this.

 

this lady still wont call State farm back so we are stuck cause they need both sides of the story! ive called her since im the owner of the car and she called my sister in law back telling her not for me to call anymore. I hate stupid people!!!

 

If she is dodging you/ not contacting her ins then I would mail her a letter via certified mail indicating that you are filing suit within 48 hours if this isn't resolved. Maybe she thinks it is an old beater and you will give up if she stalls you long enough. Then her rates won't go up.

 

Lol thats what im going to do im giving it till the end of the week then monday of next i will do that! I love my crown vic and right now she is hurt but she will be fixed

 

The DMV in NY needs to inspect cars that get sold at insurance salvage auctions once theyre done to check for stolen parts.

My dad had comprehensive coverage on his car and just didnt get collision because of the age of the car (8 years old at the time) but otherwise he wouldve gotten it.

 

Usually this would not be an issue but one needs to keep in mind that they are paying a premium based on the cost of a vehicle with a clean title. If the vehicle were a total loss however, the payment would be the value of a non-salvage vehicle less 25% or in that area.

 

over 1 week and still nothing. Called state farm and the lady said well we cant don anything cause we cant get ahold of her. I dont think she is trying. Pissed off right now i dont know weather to file on small claims or wait until state farm comes threw if they ever do

 

It puts you in a bad situation but SF is correct in that they need to speak to their insured. If there is no 3rd party confirmation (such as a police report or witness), they need to be able to confirm the facts of the accident with their insured.

But you are correct, for SF this is going to amount to a phone call or two and then a contact letter. They will then allow a few weeks to go by before they try again. At worse, eventually they will send a letter to their insured which reserves their right to deny the claim if their insured does not cooperate. This won't help you if they were to deny the claim.

My recommendation.... call the other party once or two a day (mornings and then in the evening) and if they pick up simply ask them to call their own insurance company... as how would they like it if someone hit their car and their claim was not paid because that other person would not simply return a call. If you get the same response as you did last time... then keep calling once or twice a day in order to make this _their_ problem. Let them know that you will be happy to stop following up when they call their insurance company. If they don't want the calls they can send you a cease and desist letter in the mail.

You can also send them a letter with the estimate to repair your vehicle. Demand payment within 14 days and explain if not paid in full, you will be filing in small claims court.

If no help... fill out the small claims paperwork and only fax it to SF. Let them know that you will be forced to file in small claims w/in 14 days if not paid. If you file, send them a copy so that they know. The problem with this is that SF may reserve their right to deny their insured coverage. If they do, you'd then be left with a judgment. Collecting from the other party is a different story. If SF denies their insured coverage this means they won't be paying the claim to you. But there is a chance that they may not want to deal with this issue and that you'd force their hand by filing in small claims court. They may then just pay the claim in order to protect their (deadbeat) insured.

 

Ok she called me today about a hour ago and said the lady called sf and said she did hit my sister in law and state farm asked me where i wanted the car to be fixed at? i said i want it done down here (250 miles away) she said ok to call the collision center and tell them to order parts and they will pay for the rental for a week and they will pay the whole bill. They are not even going to send a adjuster to look at the car. Just said they will pay the bill when it gets done. My question is a collision center going to order the parts i tell them too without seeing the car, this is all foreign to me!

 

It's very odd that SF would not have someone inspect the damage... especially when the age of the vehicle makes is probably total loss. Also, SF is pretty aggressive in using salvage parts... which they should be in this case. I really think the SF adjuster is making a big mistake on their end. Also, it's not their MO to just have you send in a bill and they pay it. Typically they would at least review an estimate before committing to payment. While it's certainly better for you that it be handled as mentioned, you _really_ don't want them to realize that they made a mistake later on and then back peddle on what they told you. If it were me I'd either speak to a supervisor at SF to confirm this info (but then they would probably handle your vehicle as a total loss) or fax a letter to the adjuster to confirm the information and then give them a few days to contact you before doing anything else. You might even want to send the letter certified mail and wait for the return receipt before doing anything.

 

When the car gets to the shop, they will call SF and confirm everything. Once they get the estimate or send out an adjuster they will likely total it then unless they can do it cheap with salvage parts.

 

This is how it normally works.... but KingRanchCoy states that he was told to have the shop order the parts, send the bill to SF and they would pay the bill. No estimate review and no appraiser. Just repair the car and send the bill.

 

The adjuster i was talking to in fort worth basically said that its over with and only other call i need to make to state farm is when and if i need a rental car! I figured they would look at the car in fort worth since that is the office that was handling it. instead of telling me i could take the car 250 miles away and have it fixed! her exact word were" where do you want it fixed and i told her then she said call them tomorrow and have them order the parts and when they get in they need to have the car at the begining of the week because state farm will not pay for the rental for a weekend since the repair place is not open.she said all the repair place needs is the claim number and that state farm will pay when the car is finished" sounds fishey but im going to see what they do!

 

TCOPE i sent you a pm regaurding another question thanks alot