Accident with no insurance, but claim number & total loss letter needed

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My sister was recently in an accident with a car that was uninsured due to it not being used. Her finance company wants a claim #, her loan company of her new vehicle wants a total loss letter. She have no idea how to get either without the help of a insurance company. The accident is either a no fault or Shes at fault. (We don’t have the report) I guess my question is. Can she insure a car that is totaled to obtain all of this information if not. What are our next steps.”

Asked May 30, 2018

1 Answer


The information you include in your question doesn't clarify which driver had the uninsured vehicle: Was it your sister or the other driver? If she has insurance, then she should contact her insurance company about the accident so they can open up a case and provide her with a claim number. Then they will send an adjuster to inspect the vehicle and provide an estimate for repairs or a total loss letter. She also should speak to the police to get a report that outlines who they believed was at fault.

All of the above said, the next to last line of your explanation implies that she might have been the one with the uninsured vehicle. If this was the case, she needs to speak to an attorney. There are a lot of legal complications involved with not maintaining insurance on a vehicle in Georgia. She broke the law by driving it without insurance. The most likely outcome of that action is license suspension and a fee in addition to lapsed insurance and reinstatement fees since Georgia has a mandatory continuous liability insurance requirement. Of course, these issues are merely problems that she will have with law enforcement and Georgia's Department of Driver Services. It also sounds like she has been paying off a loan or paying on a lease agreement through a finance company. These companies always require that drivers maintain automobile insurance coverage. She might also be facing financial penalties from the finance company as a result of driving a vehicle that they technically own without coverage. She should check the terms of her contract and contact a representative of that company. As for the loan company for the new vehicle: She needs to clear up all of the above before signing documentation to get a new car.

Answered June 1, 2018 by FirstLight

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