Question:
I totalled my car. I worked it out with the claims rep to get 17000 and some change for the car (which was what nada.com and bluebook.com agreed with.) The rep comes back and tells me that he will give me my price but he will include the sales tax for the new car that I buy.( For those that don't know, progressive states that when you will total your car. They will reimburse the sales tax of the new car if you buy it in 30 days) I refused because that would mean they are giving me a price for 1000 less than it is suppose ti be. So we finally made a deal for the price of the car. I met with the rep from a different office and they gave me a letter, stating they will cover my sales tax and my total loss settlement. In exchange for my title to the car. I purchased a new car and it has been about a week and the reps (3 of them) refuse to pay for the reimbursment. what is it I should do? I am at the point where I am going to sue them. Does anyone have a suggestions.
Answers:
They aren't paying sales tax to you on a "future" vehicle; they are paying you sales tax on the $17,000, because that is part of the settlement AND part of your damages for the totaled car.
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Unless you live in a state that does it different from the rest of the U.S...that's what the sales tax is for. And you do have to turn the title over to them--they essentially bought the car from you (hence the sales tax on the $17K).
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Don't sue them it would be a waste of time. You should file a complaint with the Department of Insurance of the state you live in (or whatever the name of the governing body of insurance companys are in your state). They should have to answer to the complaint.Have you sent the loan sheet or copy of title to the carrier to get your sales tax back? They will only pay tax on what you paid or the value of the tax on the totaled vehicle whichever is less. That is how your policy should read.
Most counties have a small claims court -- under 2500.00 or so. and it will only cost you a small amount to sue for the 1,000 plus any cost you incur to collect the 1,000.00. In my county the cost is $16.00 to file the small claim suit. Once the Insurance company receives the summons from the court they will probably anti up your grand to avoid any more expense.
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