Totalled Taurus

#11

You missed the point of my post. One is not required to transfer ones
title, to an insurance company, of one forgoes the salvage allowance.

It is not possible for the insurance company to "brand" a title that was not
transferred to it, period.

I do not understand why the you believe a SECOND insurance company could be
involved with a vehicle you no longer own? You stated in you reply that
"The insurance company did get title to the vehicle," therefore the question
of re-titling and branding your title is moot, because you made the mistake
of transferring title to them when you were not required to transfer your
title.

"Al Moodie" <nospam (AT) nospam (DOT) com> wrote

Quote:

On Fri, 23 Oct 2009 11:16:19 -0400, "Mike Hunter"
Mikehunt2@lycos,com> wrote:

I'm curious as to how the insurance company got the title to your vehicle,
without you transferring that title to it before an authorized title
transfer agent, who "certifies the person(s) signing the title is the
actual
owner(s)" of that titled vehicle? One must first transfer a title to
"brand" that title albeit, Taxi, Police, Flood, Salvage etc..

Normally, in the title states with which I am familiar, only those
vehicles
for which a "Salvaged" titles are issued, are those for which a
"Certificate
of Junk" was previously issued, by the titling state.

The insurance company did get title to the vehicle.
Vehicle has Kelly Blue Book value of $1500 approx.
Vehicle is involved in accident, superficial damage, but cost of
repair is $2500
Insurance company declares car a total loss, they offer to take the
car and title from me and pay me $1500
or
I can keep the car and they pay me $1400.
To get the $1400 insurance company says I must send them the title,
which they will send to Maryland DMV which will brand the title as
salvage.
Then before I can drive the car with a salvage title I must take t to
have it inspected by Maryland State Police ($25)
Insurance company says all of the above is required to comply with MD
State law. Sounds weird to me but I don't know.

But now with the second accident the car is undriveable and
economicaly unrepairable, it seems that BOTH insurance companies want
the title so they can brand it "Salvage", which it now definately is.
I am told by the first insurance company that they will have to
co-ordinate with the second insurance company to ensure that the title
declared salvage, a bureaucratic maze.

#12

Dispite the silver lining that Mike correctly shows us in the cloud of
gray that is visiting your family and daughter .... AGAIN ...

please do give some serious consideration of having your Daughter get
that Traditional 5 Element Accupucture from a state licensed practioner
likely found through your MD family physician.

She gets these healthy pricks in here .. the out side metal pricks and
other sick pricks ... stay away ... the accidents will stop for her.

Otherwise keep doing what you are doing ...

People who hate their moms are addicts ..

People who hate their dads get divorces, extramartial affairs and dead
children ...

You might be learning about love the hard way regarding that second
group of people who hate their dad inside ... are off with him ... as he
did not get the toddler tantrum handled correctly in his life I am sorry
to say.

Good luck on your future car purchases ... and car life.

Hope sissy ... gets bettter as well.

sumbuddie sends luv

:?

Mike Hunter wrote:

Quote:

You are in luck, the owner of the vehicle that pulled out is now responsible
for your total loss so you no longer have the collision deductible to worry
about.

"Al Moodie" <nospam (AT) nospam (DOT) com> wrote in message
news:iju1e5dp7ak748qb3ocdcl6nmi08fg2t0m (AT) 4ax (DOT) com...
Hi,

Sad end to this tale. Yesterday 21 October my daughter was involved in
another accident, a car pulled out of a side road without stopping and
she braodsided it. Was wearing her seatbelt and her airbag deployed.
Taken to hospital, CT scans, etc, bumps and bruises only.

Taurus front smashed in badly, economically unrepearable, end of
story. Thanks all for your input.

#13

Mike Hunter wrote:

Quote:

You missed the point of my post. One is not required to transfer ones
title, to an insurance company, of one forgoes the salvage allowance.

It is not possible for the insurance company to "brand" a title that was not
transferred to it, period.

I do not understand why the you believe a SECOND insurance company could be
involved with a vehicle you no longer own? You stated in you reply that
"The insurance company did get title to the vehicle," therefore the question
of re-titling and branding your title is moot, because you made the mistake
of transferring title to them when you were not required to transfer your
title.

He followed up his post with a statement that the title was *Not*
transferred.

It may be that in MD, insurance companies are required to retitle the
cars as salvaged whenever certain conditions are met, like the damage is
more than a certain percentage of value of the car or when the car is
deemed beyond repair or if the car is structurally damaged and beyond
repair. You're welcome to do a web search if you wish to find out.

I think it's more likely that the people who handle the claims saw that
the car repairs were too expensive and automatically said that the car
had to be retitled without knowing if it were true. Then, it's up to the
owner to stick up for his rights under the law and policy. It's like
with health insurance, the insurance companies don't really care about
the people involved, only about decreasing their payments.

I suspect that you're right that the title doesn't need to be redone,
but only that the insurance company is covering its butt rather than
gather facts to make a good decision to help it costumer.

Jeff

Quote:

"Al Moodie" <nospam (AT) nospam (DOT) com> wrote in message
news:f9c6e51dk0nkdmrro6mr5n8ebdhljroq4f (AT) 4ax (DOT) com...
On Fri, 23 Oct 2009 11:16:19 -0400, "Mike Hunter"
Mikehunt2@lycos,com> wrote:

I'm curious as to how the insurance company got the title to your vehicle,
without you transferring that title to it before an authorized title
transfer agent, who "certifies the person(s) signing the title is the
actual
owner(s)" of that titled vehicle? One must first transfer a title to
"brand" that title albeit, Taxi, Police, Flood, Salvage etc..

Normally, in the title states with which I am familiar, only those
vehicles
for which a "Salvaged" titles are issued, are those for which a
"Certificate
of Junk" was previously issued, by the titling state.

The insurance company did get title to the vehicle.
Vehicle has Kelly Blue Book value of $1500 approx.
Vehicle is involved in accident, superficial damage, but cost of
repair is $2500
Insurance company declares car a total loss, they offer to take the
car and title from me and pay me $1500
or
I can keep the car and they pay me $1400.
To get the $1400 insurance company says I must send them the title,
which they will send to Maryland DMV which will brand the title as
salvage.
Then before I can drive the car with a salvage title I must take t to
have it inspected by Maryland State Police ($25)
Insurance company says all of the above is required to comply with MD
State law. Sounds weird to me but I don't know.

But now with the second accident the car is undriveable and
economicaly unrepairable, it seems that BOTH insurance companies want
the title so they can brand it "Salvage", which it now definately is.
I am told by the first insurance company that they will have to
co-ordinate with the second insurance company to ensure that the title
declared salvage, a bureaucratic maze.

#14

Perhaps, but my comment was to that post. Apparently YOU missed the point
of my post, as well. Stick to what you think you know, one is not required
to transfer ones title, to an insurance company, if one forgoes the salvage
allowance, period.

That is one reason we have titles, NO ONE can do anything with that vehicle
except the registered owner(SO.)

The only reason an insurance company can deny a claim for a loss by its
insured, is when
ones policy does not include a particular coverage (I E collision) or the
loss exceeds ones policy limit(so) or the current value of the loss.

In that case the loss exceeded the fair market value of that particular
vehicle. If ones car was a year or two newer with the same exact damage,
it may not exceed the value, and the company will pay to fix the newer
vehicle with the exact same damage regardless of the severity of the damage.

Ones loss is the total of the value, less any deductible, including the
salvage value and the state tax. IF you decline the salvage value, they
reduce your loss total by that amount. If you accept the salvage they take
title to the vehicle and recover the salvage value from a salver.

One can do with whatever one choose with the money they receive, there is no
legal requirement to repair a vehicle that can pass any required state
vehicle inspection.

..

"dr_jeff" <utz (AT) msu (DOT) edu> wrote

Quote:

Mike Hunter wrote:
You missed the point of my post. One is not required to transfer ones
title, to an insurance company, of one forgoes the salvage allowance.

It is not possible for the insurance company to "brand" a title that was
not transferred to it, period.

I do not understand why the you believe a SECOND insurance company could
be involved with a vehicle you no longer own? You stated in you reply
that "The insurance company did get title to the vehicle," therefore the
question of re-titling and branding your title is moot, because you made
the mistake of transferring title to them when you were not required to
transfer your title.

He followed up his post with a statement that the title was *Not*
transferred.

It may be that in MD, insurance companies are required to retitle the cars
as salvaged whenever certain conditions are met, like the damage is more
than a certain percentage of value of the car or when the car is deemed
beyond repair or if the car is structurally damaged and beyond repair.
You're welcome to do a web search if you wish to find out.

I think it's more likely that the people who handle the claims saw that
the car repairs were too expensive and automatically said that the car had
to be retitled without knowing if it were true. Then, it's up to the owner
to stick up for his rights under the law and policy. It's like with health
insurance, the insurance companies don't really care about the people
involved, only about decreasing their payments.

I suspect that you're right that the title doesn't need to be redone, but
only that the insurance company is covering its butt rather than gather
facts to make a good decision to help it costumer.

Jeff

"Al Moodie" <nospam (AT) nospam (DOT) com> wrote in message
news:f9c6e51dk0nkdmrro6mr5n8ebdhljroq4f (AT) 4ax (DOT) com...
On Fri, 23 Oct 2009 11:16:19 -0400, "Mike Hunter"
Mikehunt2@lycos,com> wrote:

I'm curious as to how the insurance company got the title to your
vehicle,
without you transferring that title to it before an authorized title
transfer agent, who "certifies the person(s) signing the title is the
actual
owner(s)" of that titled vehicle? One must first transfer a title to
"brand" that title albeit, Taxi, Police, Flood, Salvage etc..

Normally, in the title states with which I am familiar, only those
vehicles
for which a "Salvaged" titles are issued, are those for which a
"Certificate
of Junk" was previously issued, by the titling state.

The insurance company did get title to the vehicle.
Vehicle has Kelly Blue Book value of $1500 approx.
Vehicle is involved in accident, superficial damage, but cost of
repair is $2500
Insurance company declares car a total loss, they offer to take the
car and title from me and pay me $1500
or
I can keep the car and they pay me $1400.
To get the $1400 insurance company says I must send them the title,
which they will send to Maryland DMV which will brand the title as
salvage.
Then before I can drive the car with a salvage title I must take t to
have it inspected by Maryland State Police ($25)
Insurance company says all of the above is required to comply with MD
State law. Sounds weird to me but I don't know.

But now with the second accident the car is undriveable and
economicaly unrepairable, it seems that BOTH insurance companies want
the title so they can brand it "Salvage", which it now definately is.
I am told by the first insurance company that they will have to
co-ordinate with the second insurance company to ensure that the title
declared salvage, a bureaucratic maze.

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Totalled Taurus

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Re: Totalled Taurus - 10-24-2009 , 02:16 PM

Re: Totalled Taurus - 10-24-2009 , 02:24 PM

Re: Totalled Taurus - 10-24-2009 , 02:31 PM

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