insurance wont pay out after accident saying there is outsatnding finance

liverpool77556

guys I recently had accident other party's fault, my car war written off cat b , insurance company said there was outstanding finance when I spoke she said also if the finance was on someone else's name that that wouldn't affect me , had email today from solicitor asking me to do hpi check, did it saying no finance on car , I think the car had finance previously ,which I wasn't told when I got the car in first place so it hasn't got anything to do with me , any info would be appreciated what should I do???

dacouch

Your post is not entirely clear.

Are you using a claims management company to claim directly from the other parties Insurers?

Are you saying the Insurers are refusing to pay your claim due to outstanding finance on the car?

Retrogamer

What insurance are you claiming on? Your own, or the third party direct?
Who got the solicitor involved and why?

If there is outstanding finance on the vehicle then it means it still belongs to the finance company but unsure how this will affect the claim.

liverpool77556

hi guys I was trying to claim form my insurance company and I made claim then I tried contacting other party they told me that I should ask my solicitors to dealing with car claim as well as they already contacted third party regarding injury so they didn't talk to me, and I think my solicitor contacted my insurance and know my solicitor is saying there is finance eg do hpi to see if its true but when the car became cat b all fianc! would have been cancelled am I wrong ???

dacouch

Were you aware the car was a Cat B when you purchased it?

If not would it have been obvious to the average person that the car had previously been in an accident?

liverpool77556

its wasn't a cat b when I got it , it was written off after my accident its just the finance I was an ware off which they assuming there is ??

Retrogamer

liverpool77556 wrote: »

hi guys I was trying to claim form my insurance company and I made claim then I tried contacting other party they told me that I should ask my solicitors to dealing with car claim as well as they already contacted third party regarding injury so they didn't talk to me, and I think my solicitor contacted my insurance and know my solicitor is saying there is finance eg do hpi to see if its true but when the car became cat b all fianc! would have been cancelled am I wrong ???

Your posts are very difficult to read and work out what's happening.

Why did you contact the other person's insurance company after contacting your own?

What injury are you talking about? Who is injured?

Surely if you're working with a solicitor they are the best people to ask?

If the car has outstanding finance on it, i think the finance is only cleared when it's paid off. If it's written off then the insurance company may pay out to the owners (finance company) but i'm not 100% sure and as mentioned it's difficult to understand what you mean

dacouch wrote: »

Were you aware the car was a Cat B when you purchased it?

If not would it have been obvious to the average person that the car had previously been in an accident?

I think they mean it is now a Cat B right off after the accident.

liverpool77556

can I do anything if there was outstanding finance as I got his details on previous owner on log book ....???

liverpool77556

i called to notify my insurance company but they started a claim and i couldn't cancel it after , then i tried my luck with third party but they didn't speak to me saying my solicitor already got in contact with them regarding injury, i got injured got pain in my back and neck went to gp 3 times taking pills for now pain killers.. i didn't know there was outstanding finance before accident ??? I've been told by friends i could still get my car cost if i can find the previous owner hu had finance on it and sold it to me without informing me which i have on log book records ??

GwylimT

Can you please write in clear concise sentences rather than one rather confused sentence.

If your car has outstanding finance you essentially don't fully own the car, so if the car is written off the settlement may fully or partially go to the finance company.

Did you carry out a HPI check when you purchased the vehicle? Did you buy from a garage or was it a private sale?

glentoran99

how can their be finance if the HPI check is showing no finance?