insurance wont pay out after accident saying there is outsatnding finance

liverpool77556

• I got the car privately ,the seller didn't say anything about out standing finance .

• the car was written off after I had accident CAT B

• the accident wasn't my fault was hit , I called my insurance company to notify but they started claim , I couldn't cancel it half way

• I tried my luck with other party to get my car cost quicker however they didn't speak to me saying your solicitor already got in contact with us please ask you solicitor to contact us regarding car cost to

• I got pain in my back neck why I was injured

• what can I do in thus case if there was outstanding finance as when I done hpi check to day was clear , however I didn't do hpi when I got it as it was someone I knew

glentoran99

liverpool77556 wrote: »

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 ??

Why would you want to cancel the claim?

Did you not say that the HPI check showed no finance?

liverpool77556

I done hpi check to day after accident happened long after ..as my solicitor told me to ,,which was on jan 29th I didn't do it when I got the car ....however some friends said when car was CAT B FINANCE IS CLEARED automatically im not sure if this is true, this could be why hpi showed clear today ...

liverpool77556

i wanted to cancel it so i could do claim with other party as i was told by people i should claim through third party if its not my fault , i didn't anyway im going to call them tomorrow

GwylimT

I done hpi check to day after accident happened long after.

What does the above even mean? Could you please post inproper English sentences, it will make it much easier for people to give you appropriate advice.

GwylimT

liverpool77556 wrote: »

i wanted to cancel it so i could do claim with other party as i was told by people i should claim through third party if its not my fault , i didn't anyway im going to call them tomorrow

Your insurance company would just seek costs from the third party anyway, this is often a quicker process as normally you receive a payout before your own insurance company is refunded.

Retrogamer

Perhaps your insurance company or the third party one paid off the finance on it and that's why it now shows clear.

I'm not sure if because it's now been written off as a cat B if that would have any effect on the finance side during the HPI check (i.e it might over ride the finance part)

Either way, best to speak to your solicitor or your insurance company. They will know more than us.

liverpool77556

im saying i did the hpi today on 30th 03 15 , after the accident happened , the accident happened on January 29th, if i had done hpi back then hpi could have found something but after my accident when the car was registered cat b the finance could have been erased i was told this by friends today

Tigsteroonie

So the first question I think you want us to answer is:

If my car had outstanding Finance (and I didn't know because I didn't check when I bought it), would that Finance still show after the accident or does a Cat-B write-off automatically remove the HPI flag?

(I don't know the answer, I just thought I'd summarise)

rs65

liverpool77556 wrote: »

insurance wont pay out after accident saying there is outsatnding finance

Did you agree a total loss value with your insurer?

Did your insurer pay the settlement to the finance?




Cat B flag will not clear the finance flag.