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


If you are involved in a car accident and do not have insurance, you may still be able to obtain a claim number and a total loss letter from the other driver's insurance company, depending on the circumstances of the accident. When you are involved in an accident, it's important to exchange information with the other driver, including their insurance information. If the other driver is at fault and has insurance, you can file a claim with their insurance company to seek compensation for any damages or injuries you sustained as a result of the accident. However, if you do not have insurance, the other driver's insurance company is not obligated to provide coverage for your damages or injuries. That being said, the insurance company may still be willing to provide you with a claim number and a total loss letter if the other driver is at fault and your car is deemed a total loss. A claim number is a unique identifier that is assigned to your claim and allows you to track its progress and communicate with the insurance company. A total loss letter is a document that confirms that your car has been declared a total loss and specifies the amount of compensation you are entitled to receive. To obtain a claim number and a total loss letter from the other driver's insurance company, you will need to contact the insurance company and provide them with the necessary information, such as the date and location of the accident, the other driver's information, and any documentation or evidence you have related to the accident. Keep in mind that even if you are able to obtain a claim number and a total loss letter, you may still be responsible for paying any costs associated with the accident, such as medical bills or property damage. Therefore, it's always a good idea to carry adequate insurance coverage to protect yourself in the event of an accident.

Answered June 1, 2018 by FirstLight

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