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Gap insurance and warranty on car that was totaled?

I am not sure who is right on this one.... We bought a car in 12/11. We purchased gap insurance and an extended warranty at that time through the dealer. We decided to refinance the car through the credit union were we are members. The gap insurance was 1/2 the price we purchased at the dealer. The dealer and bank said that we should receive a refund. In the process of all of this the car was totaled by my 18 year old daughter in March. 1. We recieved a check made out to us from the dealer for the gap insurance.(pro-rated 4 months) 2. The dealer turned in the paperwork for us for the refund on the warranty and the warranty company sent it to the previous lein holder that we left. The initial bank in turn said it was our money and reissued a check made out to us. Any thoughts appreciated. Is it really our money?

   








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https://lecaledyte.wordpress.com/2017/05/09/i-think-ive-made-a-mistake-on-my-car-insurance/

https://netobedoutbio.wordpress.com/2017/06/06/can-i-insure-my-boyfriends-car-in-my-name-and-him-as-a-named-driver/






























































Car Insurance question?
about how much does it cost for a 16 year old to be added to parents car insurance? All state


How do you get car insurance with out having a car?
Im getting ready to purchase a car and I haven't had insurance for many years, I'm going to a buy here pay here. But want to be able to drive off the lot."


Anyone know where to get good individual dental insurance thats effective immediatly?
I need my wisdom teeth removed but have no insurance, most individual insurance companies have a 6 month waiting period for procedures other than preventitive. I need them out now because one was infected and I got it treated with antibiotics but Im afraid it will come back because it keeps bleeding. Any help will do and I am in florida."


If I got a 1000cc+ for my first bike and restricted it to a 125cc would the insurance be cheap?
the bike would be restricted to a 125cc. This would also be my first bike and I would be 17 yrs old.


Bike Insurance cost for 23y old male?
Dr.Brawn: I don't care how many cockmeat sandwiches you had to eat for your insurance, I use money to get insurance like most people. I should have been more clear, StateFarm only looks at CC in regards to the bike, they don't care about type. I have a clean record, I have a car insured. When peopl say 220 a month or 200 or whatever, do you have to pay for a full year even if the driving season is only 6-8 months? (I live in Canada)"


Car insurance problems?
Me and another party got into an accident. I was stopped and she rear ended me. We didn't call the cops cause I wasn't sure if we needed to or not. But now she isn't responding to the insurance company. I filed a claim through her insurance but she won't respond to then. I have her phone number and everything. Is there anything I can do to her like call her and tell her she needs to talk to them. Or have the cops involved now? Sorry if I'm not very detailed.


"How do i report the car as flood damage, if plates are turned in and has no insurance? the title is in my name.?
How do I report my car as being flood damaged if plates are turned in and car has no insurance? The cars title is in my name.


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I crashed my instructors car onto the curb and made a dent in his bumper. He told me the cost is $1200, however I talked to him about his insurance coverage, and he said that the driving instructor's coverage starts only when it is over $1500 and only when two or more vehicles are involved in a collision. Is that true?"


Motorcycle insurance for a 17 year old in california?
hey im 17 years old, and got the money together for my first bike. i went down to the dealership and was about to buy the bike when i found out insurance cost like 4k for full coverage. i want full coverage but dont wanna pay through the nose for it. i have not owned a bike before and i really want one, but im not sure if i can aford to. so my question is does anyone know what i should do to resolve my problem? preferably recomendations of good insurance comannys. thanks so much"


Will a red light camera ticket effect my car insurance in PA?
It was for a left turn for a arrow, us and another car were there for atleast a few light changes and it would not let us go so we went when it was safe. I guess maybe the car infront of me was not on the car sensor thing in the road. Will this affect my car insurance?"


How does the IRS crack down on all the people who simply lie about having health insurance on their tax return.?
How does the IRS crack down on all the people who simply lie about having health insurance on their tax return.?


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Can i sue my ex for not paying health insurance on the kids?
I have been divorced for 4 years. Per the divorce decree he is to provide health insurance on the 2 children we have together. He never has but they have been on medicaid. I recently got re married and now we no longer qualify for medicaid. I have put them on my new husbands insurance policy through work but now have a premium to pay. Can i get him to pay the cost of the insurance? How would I do that? He pays $320 in child support. He is garnished for it because he wouldn't pay support until the state forced him. He also owes back support. If i did sue him would they be able to garnish him for insurance cost along with the support? Also he wants to file the kids on his taxes but i tell him no every year and he throws a fit. He only gets them about once a week for visits. I have never kept them from him he could have them more if he wished.


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if so, How much is it per month. What kind of deductable do you have? How old are you? feel free to answer also if you do not have insurance and if you support obamacare?"


Why did Obama flip flop on HealthCare from available care to affordable Insurance as per the Bush/Hillary plan?
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Gap insurance and warranty on car that was totaled?
I am not sure who is right on this one.... We bought a car in 12/11. We purchased gap insurance and an extended warranty at that time through the dealer. We decided to refinance the car through the credit union were we are members. The gap insurance was 1/2 the price we purchased at the dealer. The dealer and bank said that we should receive a refund. In the process of all of this the car was totaled by my 18 year old daughter in March. 1. We recieved a check made out to us from the dealer for the gap insurance.(pro-rated 4 months) 2. The dealer turned in the paperwork for us for the refund on the warranty and the warranty company sent it to the previous lein holder that we left. The initial bank in turn said it was our money and reissued a check made out to us. Any thoughts appreciated. Is it really our money?


How to get car insurance?
So I'm 16 and i just got my permit back in early March, and i need car insurance by March of next year in order to move up to a level 2 license ...... only thing is, my parents don't have licenses (they never did) what should i do?"


Birth control question! does it show up on the insurance!?
OK- i'm 20 so no comments about age, lol.. Anyway, i still live at home with parents who are *VERY* religious. I want to go on the pill, but since i'm still covered on their insurance, wouldn't it show up with the copay? or wouldn't they be able to look and see that i had visited the gyno at least? My dad is VERY conscious and notices Everything and i do mean everything moneywise everything is very closely monitered."


Can I reduce my Home Insurance cost after two claims>?
LAST YEAR I HAD TWO CLAIMS DUE TO A FIRE ON MY GARAGE. ONE I HAD TO REBUILD THE ENTIRE GARAGE, THE 2ND WAS JUST MINIMAL DAMAGE, BUT IT STILL RREQUIREDPAYMENT, I BEEN SHOPPING AROUND FOR HOME IINSURANCE BUT EVERYONE GIVES ME DOUBLE THE RATES I HAD BEFORE. I NOW PAY 2,400 A YEAR, WHO CAN TAKE ME FOR MUCH LESS. SEEMS LIKE THE COMPANIES TALK TO EACH OTHER. I NOW HAVE ALL STATE, PLEASE HELP! ANYONE SELL CHEAP HOME INSURANCE"


Free health insurance?
im 19 years old and im unemployed and im about to start college is there a way for me to get free heath insurance? i live in orange county california


Question about health insurance?
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Can anyone recommend a reputable company with affordable pet insurance?
I have two dogs and my boyfriend has a dog and two cats. If something major comes along it breaks the bank. I am looking for a company that offers affordable and flexible pet insurance but how do you find that? I mean its pet insurance, its not like State Farm offers it."


Is it right for insurer (Geico) to find me at fault in this parking lot accident?
I had a car accident in a parking lot. I was backing out of a parking space and was more than half way out. A car came out of nowhere and hit me at the rear corner. Both of us have Geico and the insurer found me at fault with this explaination: You were backing and had the greater duty and the other party had the right of way."" -This rule makes it so easy to cause an accident intentionally for insurance. Do I have any way to fight this?"""


Help with life insurance money
I lost my brother two years ago and he was only 23 years old. My parents bought life insurance for him, putting in 10k, never expecting him to die so soon. My brother had gotten married about a year before his death. My sister-in-law had claim the insurance money, summing up to about 110k. When my brother died, my family borrowed 25k from their friends to pay for the funeral expenses knowing that the life insurance will help pay all these expenses in the near future. A week ago, my sister-in-law received the check from my brother's life insurance (110k). She is willing to pay for all the funeral expenses and that's it. I understand that legally it is her money, and she is not required to give us anything. However I find this unfair, because my sister-in-law is not the only person hurting from losing a loved one. Yes she lost her husband, but I lost my brother and my parents lost their son. My parents are the ones who put their own money for my brother's life insurance, not my sister-in-law. If my parents did not buy life insurance for my brother, my family still would have been in the same situation because we would have still borrowed money to pay for these funeral expenses without any help from my sister-in-law, because she did not have money as well. My sister-in-law would not have received the 110k from my brother's life insurance, so it's thanks to my family she is receiving anything at all. In my eyes, my opinion, i feel that the money belongs to my parents because it is their 10k that had bought the life insurance, and yet we don't even get back the 10k we put in. I don't know. I wish there was another way we can get the insurance money. My parents told me after my brother has passed, that she was going to pay all the funeral expenses and split the money with my sister-in-law from the insurance money, but we couldn't touch it because he got married and now it belongs to her. She's going to hire a lawyer to pay for only the funeral expense, and I have the receipts and she don't want to see us. It's breaking my heart, my parent's hearts. Is there anything we can do? Any help at all? "


How much would the average cost of car insurance for a 16 year old male in ohio be?
How much would the average cost of car insurance for a 16 year old male in ohio be?


Can I get SC insurance with my car registered in MD in my parents name?
My car is still registered to my parents and I have MD insurance through them. I live in SC and insurance is much cheaper down here. I plan on switching the car to me once I have paid the car off. Can I still get SC insurance with the car still being registered in MD and in my parents name? I can't get a SC license either until I have insurance that is covered in SC. Please help!


Combine medicare with private insurance?
I have Anthem Blue Cross and expect to keep it after age 65. I believe Medicare has 4 parts, A thru D. Which parts should I get through existing private insurance and which parts thru Medicare? If I delay getting Medicare, later the costs will go up"". How much up and which parts?"""


I want to get life insurance for my baby (Gerber Life)...i have some questions though.?
If I ever needed to cancel or wanted to stop paying...is that possible? Without getting fined? Would you recommend the whole family being on the same life insurance plan...if possible? thanks for your help!


Can I sell my used vehicle without insurance?
I live in Texas btw


Ow health care insurance results in an overallocation of resources to the health care industry.?
Using concepts relative to consumer behavior, explain how health care insurance results in an overallocation of resources to the health care industry."


Why did so many Liberals run away from the ACA as soon as they found out that they'd have to pay for their own Affordable Health Insurance ?
Why are so many Liberals running away from the ACA they declared that they needed so desperately as soon as they found out that they'd have to pay for their own Affordable Health Insurance ? I don't get it ?......Liberals asked for Affordable Health Insurance not Free Health Insurance so why are they running way from Affordable Health Insurance now like it is the plague and even opting to pay a fine "" rather than buy Affordable Health Insurance for themselves /"""


Gap insurance and warranty on car that was totaled?
I am not sure who is right on this one.... We bought a car in 12/11. We purchased gap insurance and an extended warranty at that time through the dealer. We decided to refinance the car through the credit union were we are members. The gap insurance was 1/2 the price we purchased at the dealer. The dealer and bank said that we should receive a refund. In the process of all of this the car was totaled by my 18 year old daughter in March. 1. We recieved a check made out to us from the dealer for the gap insurance.(pro-rated 4 months) 2. The dealer turned in the paperwork for us for the refund on the warranty and the warranty company sent it to the previous lein holder that we left. The initial bank in turn said it was our money and reissued a check made out to us. Any thoughts appreciated. Is it really our money?


Who much money does it cost to start an insurance company?
I want to start an insurance company in Florida and was wondering how much it would cost to start one. Do not hesitate, give me your best estimate. Also, do insurance companies keep funds gathered through insurance policies in a fund or do they invest it? Comments? Thanks!"


How much does the average trip to the emergency room cost without health insurance?
How much does the average trip to the emergency room cost without health insurance?


How much would insurance for a Lamborghini cost?
I'm most curious about the Sesto Elemento which I believe is being ordered for $900,000. Also license plates if anyone knows how much those would cost. I'm just curious, I'm mot rich."


My new employer wants to add me to their auto insurance i have 30 years driving experience?
But I have not been insured for 10 years.will their insurance rates go up?


Can't afford Health Insurance...?
I'm looking for advice...and hopefully someone to tell me that I'm not screwed. My boss graciously offered to find group insurance for all of her employees and she is willing to pay 50% of the premiums. The problem is that she went with the most expensive plan on the market (that I've seen) and I simply can't afford it. The premium is $340 a month, so I'd be paying $170 which isn't bad...but the copays are at least +20% on everything and doctor visits range from $35 to $55 a visit, so I wouldn't be able to afford to use my health coverage often. It also doesn't include dental, which is what I really wanted/needed. I am 21 years old (and all of my coworkers are in their 20s), so I don't really understand why the payments are so high. I'm right in the midst of paying off student loans, I don't get paid very much, and I was hoping to start saving money to purchase a car and be able to go back to school. I was going to use my income tax return as a down payment on a car, but if I opt out of healthcare this year at least a fourth of that return will be taken as the fine imposed to coerce people to sign up for the Affordable Care Act. I seriously don't know what to do. Neither of my parents have health insurance, so I can't be tacked onto their coverage. I was planning on telling my boss to opt me out, but she went ahead and signed me up so I'm looking at getting $170 taken out of my check right before Christmas either way. I actually found out how much it was after she signed me up...I don't even know how she did that without confirming everything with me. Am I completely screwed? What would you do?"


Why Do I Pay More For Health Insurance Now?
I'm a recent graduate, female, non-smoker with a healthy weight and eating/fitness habits. I'm not rich by any means, but my health insurance rates have gone up a lot since the whole Affordable Care Act. I'm still a little unclear on the details of my new plan, but I was wondering if anyone could put this into Laymen's terms for me *without* a political agenda. I work hard, I'm healthy, and I DON'T make much money at all. Why would my rate go up? Who is getting the more affordable"" option and what is the point of this whole thing if people are paying more anyway?"""


Insurance for a first Motorcycle?
When I turn 17, I'm thinking of buying a Kawasaki KDX125. What would the insurance costs be like for a 17 year old? (In the UK) and can you recommend a similar bike?"


Which company has the best Whole life insurance. I know New York has Custom Whole life insurance.?
I'm thinking about making the switch to whole life from term. New york custom whole life its very attractive.


Insurance on a 2004 lamborghin gallado?
how much would it cost a month for insurance min to max and what do you pay for insurance


Car insurance ?????/?
Well.I have permanent general car insurance they used to charge me 60 dollers it when up to 80 a month. Idk I found a cheaper insurance what should I tell permanent general


Cost of motercycle insurance?
when I search for this all I get is spam about how much you could save on your insurance. if it's not that then it: motorcycle gear, shows, accessories, video, ect. So I was just wondering is insurance cheaper for motorcycle than cars? Thinking about the differences; the cost of replacing the bike is less, the damage it could do it less, the injury to others is less, the injury to yourself is greater, it seems like it should be cheaper. espically considering that your health insurance will cover most of your injury costs this kind of insurance seems lower risk. But I wanna know from other bikers, is it cheaper?"


Car insurance in California?
Is it true that if you are financing a car you HAVE to have car insurance??


Will my insurance get expensive if I don't pay it for a few months?
So I am 19 years old and I been paying insurance for 1 year now. But right now I am not working and I don't need my car as much and i feel that I am just wasting money on insurance. My policy will end in 9 days and I am thinking on ending my insurance and instead I am going to ride the city bus. Right now I am paying 96 dollars per month and the next six months will go down to $94. If I don't pay for insurance for 1 or 3 months will the price go up? How much? Thank you in advance.


Life Insurance Question?...Please Help!?
Can someone tell me which is the best Life Insurance? Which company? What do i need to d? And what you recomend to me? What's best for me?


How much is boat insurance?
I am going to liveaboard a 29ft sailing boat worth about 35000 purely based in a local marina. I need 2M worth of public liability insurance, any idea on the cost of an annual policy?Thanks in advance."


Gap insurance and warranty on car that was totaled?
I am not sure who is right on this one.... We bought a car in 12/11. We purchased gap insurance and an extended warranty at that time through the dealer. We decided to refinance the car through the credit union were we are members. The gap insurance was 1/2 the price we purchased at the dealer. The dealer and bank said that we should receive a refund. In the process of all of this the car was totaled by my 18 year old daughter in March. 1. We recieved a check made out to us from the dealer for the gap insurance.(pro-rated 4 months) 2. The dealer turned in the paperwork for us for the refund on the warranty and the warranty company sent it to the previous lein holder that we left. The initial bank in turn said it was our money and reissued a check made out to us. Any thoughts appreciated. Is it really our money?