Buyback requirements by law

[LittleBit]

If my car is insured by a reputable US company and I legally drive in the US and hit a deer, which totals the vehicle, does my insurance company have the right to demand that I buyback the salvage price the sell it myself as salvage? This car is not registered with the DMV. It is legally imported but not titled in the US. It is titled in Canada. It is insured in the US. Can I demand that the insurance company sell it?

 

[NY independent]

Sounds like a mess. Unregistered? Titled in Canada but insured in the US? If it's not registered to you in US, that's a problem in itself. If it wasn't a mess (and titled/registered/insured in any state in US), the carrier cannot demand that you purchase it for salvage value, it's just an option to you that most people do not exercise. You'd be hard pressed to insure a car anywhere in US with a "salvage title". I wouldn't want to be the agent on this one.

 

[Al3x Lee]

Can I demand that the insurance company sell it?

You should try and let us know. Definitely a unique situation. Is it legal to import a car and leave it titled in another country?

 

[adjusterjack]

It is titled in Canada. It is insured in the US

If you concealed that from the insurance company when you bought the insurance, you might have no claim at all.

Did you conceal that fact?

 

[fed up]

Sounds as I f it could be Rate Evasion

 

[Allen Trent]

Did you hit the deer on purpose? Intentional act might be excluded.

Did the deer survive?

 

[Policy Monkey]

Did the deer survive?

Are you concerned about witnesses, or venison?

 

[Allen Trent]

Are you concerned about witnesses, or venison?

I have a soft spot for all the deers that these motorized conveyances kill each year. in the most advanced country in the world, we should have crosswalks for the deers or laws against hitting them.

 

[Policy Monkey]

So if the deer don't use the crosswalks, do they get jaywalking tickets?

JK. I'm an animal lover too. I remember reading about some over- and under-passes for migrating animals to keep them off the roadways. Here's a link to one in Los Angeles... [EXTERNAL LINK] - What to Know About Construction of the 101 Freeway Wildlife Crossing

 

[leyben69]

If the deer crossing signs wouldn’t have been posted, there wouldn’t have been any deer crossing the road to begin with. I think the highway county department may be at fault.