My vehicle was vandalized over a year ago. I immediately notified the insurance company and made a police report. The insurance company had my car towed to THIER mechanic where the vehicle remained for the next 2 months. Their mechanic took it upon himself to prematurely do the repairs without my consent or consent from the insurance company. As is turned out, the insurance company denied the claim.
The mechanic said since he was out of money for parts and labor that I would be responsible for the damages, even though he admitted he had no legal right to do repairs on a vehicle without signed consent from the owner or insurance co.
Furthermore he told me he wanted 00 when the insurance co initially apraised the damages & labor at ,250. The only thing wrong was a bashed in windshield and damage to the hood! He wouldn’t even allow me to make payments.
I could not afford to pay him so he put a lien on the vehicle. when I tried to respond to the lien, the mechanics phone number was disconected and the shop was closed for business. He basically disappeared!
So 1 year later I get a letter and a check form the insurance company saying that they reopened my claim after all this time and decided that my claim should have never been denied in the first place.
The problem is I have no idea where the vehicle is or where the mechanic is. Should the insurance company be held responsible for my vehicle since they wrongfully denied the claim in the first place? And I know I’ll never see the car again, but I still have the title so shouldn’t someone have to compensate me for the wrongful loss of the vehicle?
Also, it was thier mechanic who violated the lien law! He put a lien on my vehicle when he never had authorization to do the repairs for which he was attempting compensation. Then, when I tried to respond to the lien, he was nowhere to be found.
So if the insurance co. had approved the claim in the beginning, the mechanic would have been paid, and I would have my vehicle. But since they admitted they were wrong when they initially denied the claim, as evidenced by the check and letter they sent me one whole year later, shouldn’t they have to compensate me for the loss of the vehicle?
So I really need some help here, and honestly guys I’m not interested in anyone’s personal opinion about this matter. Please only respond if you are responding to the legalities of the situation. What are my legal rights in this situation? I don’t have a lot of money so an attorney is out of the question.
I’m currently in another vehicle with a 0 a month car note which is NOT what I wanted since I owned the vehicle in question. The vehicle that was taken was a 2000 Galant blue booked at 00. Who should I talk to, what should I do? As always thank you in advance!
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