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I was in a car wreck in April of 2010. The accident was not my fault. The driver in front of me hit the car in front of him and then I came over the hill and hit the guy in front of me. My insurance company wouldn’t pay anything. They said since I was in the back that I should have stopped. Basically they said it my fault.

Anyway, the car was totalled and I could not afford to pay for something that I couldn’t drive. I told that to Capital One Auto (who I got the loan through) and they said that they would send someone to look at the car to see if it was worth repossessing. They did that and said it wasn’t worth it, but that I still needed to pay them for the rest of the loan. I told them that I couldn’t. It is now August of 2011 and nothing has happened. The car was charged off on my credit and from time to time I get letters in the mail from a collection agency saying that I need to pay. I owed over ,000 when the accident happened and the last offer to settle from the collection agency was for ,900. I would pay it if I could, but I don’t have even that kind of money.

This is getting long and I just wanted to know, if my wages were going to be garnished, would it have happened by now. It has almost been a year and a half.

Thanks a lot

This is crazy my car was hit head on, our airbags saved our lives, now the auto insurance of the other party wont pay full amount on 2006 vibe , because there is a salvage title on my car. My car has that title not from a accident because it was a stolen car that we bought at auction .
The Insurance company put’s the salvage title on anything. Now what are we going to do sue them, How do you fight this crazy salvage rule its not our problem its their rule . It was also the other persons fault and it ruin our vacation with body pains it was all messed up.

My husband past away last year, it was self inflicted so I thought I couldn’t claim on the life insurance from the auto loans, the second vehicle got repo’d about 6 months later. Now I find out from my bank that it was good since we had the loan longer then a year. So my car is getting paid off and I’m getting a refund of all the payments for the last 11 months. I am wondering if anyone know what can be done with the other bank Citi Financial to reverse the repo and maybe get the difference from the insurance company. But then I’m still out a ,000.00 paid off car. It only sold for ,000.00 at the auction thing, but on my credit it still shows ,000.00 being owed… PLEASE HELP!!!!

The insurance company have asked if registered in my name – i have advised that it is not yet in my name as i have just sent of for a new log book. they are happy to insure me as long as i have tax and MOT but what happens if the police were to pull me over? can i drive the car or do i have to wait for the log book?

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