Not gonna work. Insurance companies always send out an inspector to check the car out first and assess the condition prior to adding full coverage or collision insurance.

 

Not in my situation actually never has a inspector came out and looked at any of my cars new or used. I have State Farm by the way full coverage.

 

Reading this thread reminded me of my days in the US Army in Germany back in the sixties during Viet Nam. A sergeant whose enlistment was up decided to re-up for four more years and accept a reenlistment of around sixteen thousand dollars and a thirty day leave.
He purchased a brand new Mustang using the bonus without taking any insurance.
He totaled the vehicle and returned to Germany with no car and four more years to serve in the US Army.
I always wondered what ever happened to that A$$hole?

Telcoman

 

Not in my situation. AAA full coverage. No inspector ever.

 

no they dont. they do not have the resources, or the man power to check peoples vehicles when adding full coverage.

ive added and taken away coverage on 15+ vehicles and have never once had someone come "look" at the condition of it.

 

How long ago did you buy it? Most insurance companies give you a 30 day window after purchase to add coverage that's retroactive to the purchase date. If you hurry up and add coverage, you might be fine and not actually committing insurance fraud (which someone here is suggesting).

 

It depends on what state you live in. California, Florida, Massachusetts, New Jersey, New York and Rhode Island supposedly have a law that actually requires you to bring it in to have it inspected and photos taken within a certain amount of days of taking ownership of the vehicle in order to put collision or full coverage on a car as a way to prevent insurance fraud. Other states, it depends on your insurance company. I live in a that requires it, but my insurance company has only made me do it on my cars and trucks... not on my motorcycles when I bought them.

 

When I bought my car in mid September and added it to my insurance I didn't have to get it checked out or anything for full coverage? and I live in California. maybe it's my insurance provider?

 

When you buy from a dealer they work with the insurance company to get all the info they need to put full coverage on it. Pictures specs all of that. I don't know why this dealer didn't take the necessary steps to insure the car properly from the lot. As others have stated, I live in SoCal and didn't have to take my car to get checked out. It was fully insured from the dealer.

 

Wait what? "Easy $3000-$4000" for that car?? not sure if serious?

 

You realize that what you suggesting here is insurance fraud.

OP, you are between a rock and a hard place. There is no way out of this without getting dirty.
There are legal ways and illegal ways to get off. All will cost you money.

I would consider following LEGAL options.

1. Repair the car. It will cost you, maybe more than you want to, but you will retain your credit (what ever condition it is) and keep the car.
Consequences: You will learn your lesson and buy insurance, make the work a better place.

2. Stop paying for it. Bank will go after you, ruin your credit, you will tell them that the car is totaled and you are not paying for it, they will take the car and sell it at auction for coupe of thousand and go after you for the difference, after few months of not paying anything you will be able to negotiate a settlement with them and pay half or less of the amount owed to settle the dept. Credit will be ruined for at least 4 years.


Here is what I would do if I were you.
Id buy another G at auction with rear or side damage. Take both cars to the body shop and negotiate a deal with them to fix your car and as full or partial payment keep the parts from another G for them to sell. If you are able to get this done, the repair should not cost you more than 3k. If shop refuses to take your remaining G parts for a payment, sell them your self and recoup the cots.
You have to think of a long term damage in this case. With bad credit you will be paying higher for your next car and insurance. Insurance companies now rate you not only on your driving record, but on your credit score as well. So dumping the car and loan in the long term will cost you more than putting money into it now and fixing it. Since bank does not know about the accident yet, your car is not totaled and title is clean, so this accident (no matter how severe) should not affect your resale value much (unless carfax tracks police reports )
Make a good long term choice even though it might hurt now, you can rest assured that it will not come after you later.
Make a bad long term choice now and it will hunt you for years to come.
Learn your lesson, eat ramen noodles for few months, fix your car and don't do stupid again.

 

NVMIND

I looked at your pictures again and it's not worth fixing. I highly doubt that any shop will take on that repair, car is just too far gone.
What you can do is purchase another car at auction with smaller damage or rear damage and use yours as a parts car.
Yours I think is beyond repair.

 

yes?
never said it was a legal option, just said it was one. im not doing it so i dont really care haha, i have full coverage.

 

His car is not repairable. I guarantee you will spend more than what you bought it for trying to fix it. At least 10k.