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  1. #1

    Angry Bought a Car with a Clear Titled That Was Totaled

    My question involves insurance law for the state of: Texas

    I have full coverage on my vechile and have had full coverage since I bought the car 3 years ago. Recently on my way to work I hit a deer head on. The front of my car was demolished. I called my insurance comapny and had it towed to a body shop. I got a phone call from my insurance comapny saying that they totaled out the car in 2007. Keep in mind I bought it in 07, from a used car dealrship. I checked the car on CarFax and NOTHING came up! Now the insurance comapny will not pay for the damages since they were pre exsisting. What is the next step? What do you do with a clear title to find out that the car has been totaled? The used dealership had no idea, I did not, car fax had no information...

  2. #2
    Join Date
    Sep 2005
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    Behind a Desk
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    98,846

    Default Re: Bought a Car with a Clear Titled That Was Totaled

    The insurance company won't pay for damages that were pre-existing, but they should pay for the new damage. What's the story with that?

    You're dealing with a car that was in an accident and repaired, but it has a regular (not a salvage) title?

  3. #3
    Join Date
    Jul 2006
    Location
    Ohio
    Posts
    1,126

    Default Re: Bought a Car with a Clear Titled That Was Totaled

    Who is your insurance company? If they were on the risk, they need to pay the claim. Since they didn't deny the coverage (for invalid VIN), they must pay the claim. Contact the department of insurance for your state, and file a complaint.

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