Scared

[Sinamenone]

I'm still paying the insurance

 

[not2cleverRed]

I'm still paying the insurance

Thank goodness for that.

But this car is clearly a burden. Free yourself of this, and cling to more pleasant memories of your sister. This is not honoring her dear memory.

 

[Ohiogal]

You didn't have the right to fill out the paperwork as that right was her son's as you were told. But continue doing whatever you want regardless of the legality.

 

[quincy]

I'm still paying the insurance

You probably should think about selling it, paying off the loan with the proceeds, and purchasing a vehicle you can afford. I understand your desire to keep the car but you are at a real risk of losing it and walking away with nothing.

 

[FlyingRon]

Thank goodness for that.

Unless the poster is listed on the policy, it's probably a waste of money (other than it keeps the state from coming after her). She's gone way beyond the casual use that the insurance is willing to cover for non-listed drivers.

 

[not2cleverRed]

it's probably a waste of money (other than it keeps the state from coming after her).

Well, keeping the state from coming after you *is* something.

But yes, given how backwards everything else has been, they have probably not changed the insurance, and just kept on paying the premiums under dear departed sister's name.

 

[AlmostThere]

Whose name is it registered in? Insured under?

 

[PayrollHRGuy]

Whose name is it registered in? Insured under?

I think it is clear from the OP's posts that the answer to both is the dead sister.

 

[Zigner]

I think it is clear from the OP's posts that the answer to both is the dead sister.

The OP states that she notified Toyota of the death of her sister. I find it unlikely that the finance company would allow it to remain in dead-sister's name. At the very least, the problem of the insurance not being valid will arise.

 

[AlmostThere]

In which case, I am not sure the car is insured. Would an insurance company payout on an accident where the driver is essentially committing insurance fraud?

 

[Zigner]

In which case, I am not sure the car is insured. Would an insurance company payout on an accident where the driver is essentially committing insurance fraud?

The OP would need to have become the representative of the estate and had the insurance coverage updated to reflect that the estate is the insured. Otherwise, the OP can't be an authorized driver, because a dead person can't give authorization.

 

[PayrollHRGuy]

The OP states that she notified Toyota of the death of her sister. I find it unlikely that the finance company would allow it to remain in dead-sister's name. At the very least, the problem of the insurance not being valid will arise.

No, the OP stated, "I've been taking over the payments for her 2020 Camry on my own, not through any financing company ..." which really makes no sense at all. And, "They're aware she passed & I filled out the paperwork & returned it."

We really don't know what that means. There's more to do to take over ownership of a car than fill out some paperwork and send it back to somebody.

 

[Zigner]

No, the OP stated, "I've been taking over the payments for her 2020 Camry on my own, not through any financing company ..." which really makes no sense at all. And, "They're aware she passed & I filled out the paperwork & returned it."

We really don't know what that means. There's more to do to take over ownership of a car than fill out some paperwork and send it back to somebody.

Right - the second statement is what I was referring to. I would agree that there's something missing in the story.

 

[Sinamenone]

I'm still paying the insurance

Health issues that had me hospitalized several times have caused me to fall behind. I don't have a loan I pay out of pocket.

 

[Ohiogal]

Health issues that had me hospitalized several times have caused me to fall behind. I don't have a loan I pay out of pocket.

Well you are paying on something. Which apparently is a loan so the car is financed somehow. And apparently you don't care about the law and doing things legally if you filled out the paperwork when legally you had no right to do so. And you never answered in whose name was the insurance. You have made a major mess out of this.