Wife had no insurance on car, in wreck, totaled car
Pleasant Grove, UT |
I have gap insurance . Finance company keeps calling me from different numbers , harassing me . Do I have them go threw gap insurance first ? If I make only half my car payment a month can they still garnish my wages ?
You need to speak to your carrier and ask their intentions then consult an attorney.
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Don't fiddle with the financing company as they have rights completely independent of any others in your situation. In other words, you owe them their money reardless of gap insurance, who casued the accident, etc.
Simpy put, pay them.
In the meantime, reach out to the gap insurance carrier and get the two companies in touch with each other. I suspect you only have to make one car payment per months so buckle down, pay it, and get working on communication.
Finally -- yes -- the financing company can come after you if you are not making full payments.
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Go through gap insurance first? What other insurance could they possibly go to?
No one can garnish anything from you until they first serve you with a complaint, successfully receive a judgment, serve the judgment on you and then they can take steps to garnish wages etc. I suggest you speak with your gap insurance carrier ASAP. Any car which is financed should have collision damage coverage on it, unless you are very wealthy and can take the hit.
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