! NEED HELP--insurance for total loss

Hi, everyone I had a car accident three days ago, just got dicharged from the hospital. I called the insurance company today and they said the car is a total loss (i haven't seen it after the accident). They are going to cut me a cheque with BOTH the bank(leinholder) and my name on it. The amount will be the sale value $20,000. I've only had the car for 1 months (isn't that sad?), and I still owe the bank about $22,000 as of now (including interest and other charges). I understand the bank has the right to collect the money before me since they own a larger portion of the car than I do, but is there any way that I can keep the cheque and keep paying off the loan monthly??? i can't accept the fact that I will be left with NO CAR, NO MONEY, $ 2000 DEBT, a CONCUSION, and NO WEDGES for the next 3 weeks! I know some of you guys are very experienced adjusters, have you ever dealt with anything like this? Is there another way around this? ---- at least let me keep 1/2 of the cheque and pay the rest of the loan by montly as before. Thank you so much!!!!!!!!!! I really need your advices!!!

Hit 1 month ago and other part calls just now..

hi, i currently need help with my problem. 1 month ago i was at fault at a very minor car accident. i was reversing at a parking lot, and from my blind spot a car comes rushing through and hits my bumper, there are no dents after the hit just paint scraped on my bumper and his 2 doors. i didnt really find the dmg that big of deal so didnt realy mind so much. and it seemed he didnt either, we just got each others names and numbers and license number..no insurance information was traded i thought he would call me after a day(no report was made at the site), or so but he didnt, so i went ahead and repaired my own dmges to my car which was just paint. 1 month later from the accident he calls me wanting to settle the accident and file a claim and everything, but im already past it and have repaired my car. so my question is isnt he to late to file a claim? do i have to continue discussing the issue with him? all he has on me is my name number and license... can he take legal action on me with just that? so should i actually continue to file the insurance claim or wil it b safe for me to leave it alone? thank you for ur advice

What do I do??? Please help !!!

I just want to say this is my first post and it is a messy situation so any advice would be much appreciated. I was involved in a two car accident in May 2007. The driver of the other car had a stop sign and stopped quickly and preceded into the intersection as I was crossing the intersection, I had no stop sign. I hit her back passenger door. The police were contacted but did not come due to a high speed chase in the area. So there is no accident report. We exchanged information and she drove away and I had my car towed. Long story short my claim was denied by her insurance company. I have been making my monthly car payments on the car as it sits in a junkyard. Her insurance company is now taking me to arbitration court for damages to her car, now seven months later. I am now sitting here seven months later with a denied claim and still making payments, is my insurance company responsible for any of the damages. I did have full coverage and Minnesota it is no-fault state. I am just wondering what I can do.... Any advice or suggestions would be great!! I am just fed up with my insurance company and just want to resolve this.

Home Owners insurance

I am in a rent to own situation, I carry my own insurance on the home, about a month ago I came home to find a pick up truck in the middle of my deck that was just finished two weeks before that, I had not even had time to get furniture on it yet. I could have just cried, all the hard work in the evenings after work and on the weekends all shifted and crooked. The truck also shifted my chimney over. I want the insurance company to pay for the repairs on the chimney too, the impact knocked items off my walls and kitchen counters, I am really surprised that the truck did not come through my kitchen. The individuals car insurance wants to settle the claim for $4000, I have almost that in the deck in the treated lumber, it is a pretty big deck with a ramp leading up to it. It sits second story. I am not happy with this amount, so my question is, will my homeowners step in and make the car insurance company pay for the other damage to the home, chimney and such. They will be the ones insuring the damaged property so I would think that they would have some interest in making sure the repairs are done right. I am asking for any advice at all here, dealing with two different worlds of insurance is confusing me car insurance vs homeowners insurance. thank you in advance for any advice you can offer.

A heck of a mess (Estate/Insurance)

My grandfather died in September. I am the executor's (my father's) designee for the purposes of handling the massive amount of paperwork my grandfather has amassed over the years pertaining to life insurance. I have boxes full of policies, certificates, letters about policies transferring from one carrier to another- and a lot of advertisements for insurance products grandpa may or may not have purchased. As I sift throught the stacks, I am calling insurance companies with regard to specific policy numbers because I don't know how else to go about it. I have found a good bit of active insurance, but I have found a whole lot of inactive policies, too- ones that have either been paid off, have lapsed, or have been surrendered. I've long since sorted the paperwork as best I could, but the other day I called an insurance company in regard to a specific policy only to find out grandpa had two other insurance policies with them which were in force at the time of his death. I have been through every sheet of paper in these boxes trying to find paperwork for these policies. It just isn't there. I've said all that in order to ask this question: Because I am concerned that there are policies in force for which I have no paperwork, how can I go about finding out about these policies? It almost seems like a fool's errand to continue in this manner. (I am trying to get a list of his bank account activity in the months before his death and records from his dozens of credit cards in order to determine to whom he was making his premium payments, but I am concerned about paid off policies and companies with policies on Grandpa who don't have his most recent address.) Any ideas would be much appreciated.

Carrier using injury rating computer programs

This is really an industry question but I'll also explain some background: Adjusters know that some insurance companies use software programs (COA, Colossus, etc) to determine a range that an injury claims usually settles for. The adjuster inputs all of the injury information and the location of the accident and the program spits out a settlement range. Insurance companies who use these programs _claim_ that this range is just used as a reference to help the adjuster. They have to claim that, as requiring adjusters to settle within a computer generated range is illegal and carriers have lost lawsuits based on this issue. That is, the argument is that a computer program cannot account for all the issues that need to be addressed in an injury claim. My view... I'm _100%_ against any carrier using these programs. Of course the ones that do, claim that it _is_ just a andquot;toolandquot; but anyone with any brains has/can see that it is not. In my last job the carrier was all about making reports look good. I received and kept an email from the Regional Manager in which he showed a chart or percentages in which adjusters settled below, within, and above the computer generated ranges. He complained that this year the percentages of times adjusters settled above the range increased. He then explained when an adjusters percentage of settlements above the range reached 35%, he'd send an email to that adjuster. Now we all know this email would not be sent for the fun of it... that is, it would require some action by the adjuster. So while the carriers state that the computer generated ranges are simply andquot;guidesandquot;, anyone who believes this is fooling themselves or just in denial. Also, and this is more important, the computer generated range is only as good as the information put into the program. Any adjuster who has ever used one of these programs knows that some information just does not fit into the program. Most adjusters also don't know enough about the way the program works to put in accurate information (i.e. some programs don't allow ER visits to be imputed as they are assumed based on other entries, some systems require that certain types of visits be grouped together and inputed as 1 item, etc). If I asked 10 adjusters to enter the same medical information, there would be 10 different settlement ranges. If an adjuster is put into the position of needing such a tool in order to determine what a good settlement would be... they should not be settling injury claims. I understand that at some point an adjuster needs to take a leap and _start_ handling these claims but they should then be reviewing the injury claim with other adjusters or a supervisor. Does it make any sense that this adjuster does not know what a good settlement should be but they are relied upon to input 100% correct information into a computer program? Personally... as an adjuster working for insurance companies (and I love the industry). I'd be 100% behind any lawsuit against a company for using these programs. It's the only way to get them to stop. Now that I've filled 5 paragraphs with my utter hate for these programs... anyone want to disagree? I think it might be obvious that I won't agree with any counter views but I'd also be an idiot for not listening with an open mind. Any comments?

Will insurance company will total my car???

I have a '99 Pontiac Grand Am GT, approx 115,000 miles on it, power windows/locks, cruise control, am/fm/single cd, a/c, bra, rear spoiler, brand new tires bought about 3 months before the accident, alloy wheels, abs etc. (my dream car!!) I was involved in an at-fault accident andamp; have been given an estimate for repairs of $3674.16 (all front end damage) We are waiting to hear from the insuarance company right now. I am concerned that the insurance company might total my car. This car had absolutely no body damage before the accident andamp; my husband andamp; I had just put $600 in tires on it and have spent almost $1000 over the last year in repairs (to the engine etc). I live in Oregon andamp; am having a hard time finding out where I stand with this. If they total my car I understand that I can get a salvaged title but will I still be able to get full coverage insurance (I have quite a bit of insurance coverage on it right now) or will I only be able to get liability??