Is my auto insurance company required to contact me before paying out a claim filed against me?

I had a repossesion and my bank, the lien holder, filed a claim on the vehicle once they took possesion. there was nothing wrong with the car when the repo company took it from me. I didnt find out until now, while I was shopping around for new car insurance. Am I not entitled to be contacted?

Asked on August 31, 2012 under Accident Law, Nevada

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

If there was a repossession of your vehicle where you ultimately lost title to it due to the car being auctioned off, your insurance carrier had no legal obligation to advise you of anything it knew about your vehicle. Your carrier's duty is soley to insure the vehicle during your ownership of it and pay off any claims covered under the vehicle's policy.

As to any claim that the lien holder may have filed as to the car's repossession with your insurance carrier, one of its representatives should have contacted you concerning it.


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