How to get a settlement regarding my stolen car?

My car was stolen off of a lot and my insurance company denied complete car reimbursement per my insurance. I have the police report, the letter from my insurance stating that I had total car reimbursement but they still denied me. My vehicle was also totaled when the police department found it. How do I get

what I paid for?

Asked on September 3, 2017 under Insurance Law, Texas

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

If you had theft insurance and you believe that under the facts of this case, your insurer is not paying you the full amount that you are entitled to under your policy, you can sue the insurer for "breach of contract." An insurance policy is a contract: if you can prove in court the terms of the policy (which is simple: you show the policy itself in court) and facts that would require more payment from the insurer (e.g. using the police report, other correspondence, proof of the car's value, etc.), you should be able to get a court judgment or order requiring the insurer to pay. 


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