Would insurance company give me total loss check without the title?

[laureano97]

I had a car accident on the 4th of this month. Leaving me with personal injuries and I could have had a miscarriage. The car is a total loss and other person admitted fault. I hired a lawyer because I know the insurance company would not give me all the money I can get without being represented. I had just purchased the vehicle only 3 days prior. So I do not have the title in my possesion as it had to be held for registration of my vehicle when I got my temp plates. I called the place where I registered and they told me the title usually come back within 6-8 weeks, now its barely even been 3 weeks, I can't wait that long as I have to return back to work on the 1st and need to procure another vehicle. That's nuts. My question is, does anyone know FROM PERSONAL EXPERIENCE or from SOMEONE ELSE'S EXPERIENCE if the insurance company (Geico) would possibly write me off a check without that title as long as it would be promised to be given once I receive it?

[geol19]

Is the car financed or did you pay cash for it?


Since you say the title is coming to you, I assume that means you paid cash for it and it does not have a lien. If the car were financed, then the title would be sent to the finance company.


If you paid cash for the car and it does not have a lien on the title, you may be able to provide documentation to the insurance company showing this. With that, they should be willing give you 1/2 of the value of the car. Then when you forward the title to them, they can send you the other half. You will have to ask the adjuster about this. No guarantee will do it...but you can ask. It's the best deal you'll get.

There is no way the adjuster will send you all the money with out the title. You may mean well. You may intend to send the title to them right away. But the reality is, unless that adjuster provides a financial incentive for you to mail that title, it won't get off the kitchen table and in the mail to them.

If the adjuster won't send you 1/2 the money, your option is to take out a car loan at your local bank or credit union. Purchase a car. When the title to the damaged car comes in - send it to the adjuster. When you get the check for the damaged car, you use that to pay off the car loan.

As far as your personal injuries go....you don't get paid for what "could have" happened. All "I could have had a miscarriage" means is that you did not actually have a miscarriage.

I could have won the lottery....but I didn't.
I could have been a 6 feet tall runway model...but I'm not.
I could have walked out my front door this morning and been hit on the head by a satellite that fell out of orbit....but I wasn't.

What "could have" "might have" "almost" "maybe" "sorta" happened means is that it did not happen and therefore adds no value to your claim.

[zackary42]

@Bluto. Damn of course I did ask my lawyer, it was to me to find out how long it will take to get my title and I just found ot yesterday, finally called to see. My lawyer has been doing a good job, the adjuster was not in yesterday so I will have my answet tomorrow.

[jerrick]

You should be talking to your lawyer and not morons on the internet. Do not accept any check because once you do your case is over. Didn't your "lawyer" advise you? Seek legal advice from another lawyer. sounds like the one you have is a looser.

[nelgibson00]

There is no way the plan adjuster will deliver you all the cash with out the headline. If you compensated cash for the car and it does not have a loan on the title, you may be able to offer certification to the plan provider displaying this. With that, they should be willing provide you with 1/2 of the value of the car. Then when you ahead the headline to them, they can deliver you the other 50 percent. You will have to ask the plan adjuster about this. No assurance will do it...but you can ask. It's the best cope you'll get.