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I was involved in an accident in which the insurance company deemed my car a total loss. I still owed captial one auto finance about 6,000 on it and I didn’t have gap insurance. I elected to buy the car back from the insurance company for 0, but now I’m worried about Capital one trying to repossess the car, even though it’s wrecked now. Will captial one reposess a vehicle which has been deemed a total loss? Will I get a salvage title from the insurance company automatically, or who do I need to contact to get that?
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they pay capital one/capital still has title and they may forward to ins co/you have to track it down
Comment by ken k — September 3, 2009 @ 11:31 am
Yes they can repo, and you are still liable for balance on loan if the insurance didn’t pay it off. As far as title contact your local DMV
Comment by David G — September 3, 2009 @ 11:31 am
Nope they will not.. Believe me i had the same thing. I wanted them to repo it but they would no.. its a great thing..But they will write it off asually as a bad debt, then you have that against your credit. The best thing to do is keep paying them the car payments or get the 6,000 up and pay it off.
Comment by John — September 3, 2009 @ 11:31 am
The only way they would repossess the car is if you fail to make the payments. All they want is their money.
Comment by entidtil — September 3, 2009 @ 11:31 am
If you stop paying the loan they can repo it.
Comment by Michael — September 3, 2009 @ 11:31 am