Kate had an accident. The truck in front of her on Northside Drive suddenly slammed on their brake and she could not stop. Her speed was slow as they were on a residential street but because the truck ahead of her had a boat towing rig, the Escape cost $4,500.to repair. The truck she hit had a repair of $1000.. We decided to make the repairs. The insurance company, which is Amica, sent us a cheque for $3600. The Escape is now sitting in Christina's driveway, all repaired and ready to drive, except it has no title.
Once an automobile is declared a total loss by the insurance company, the system in Mississippi is cumbersome. On instructions from Amica, we sent our title to them, signed over to them. They send it to the state, who return it to the company along with a new salvage title, which they will promptly send to us. Amica has been an excellent company to deal with but the state has taken it's time to send the salvage title back. I have called Amica every week to try to track the whereabouts of our new title, to no avail.
Today we found out why. When Ken sent the title back, he signed as a seller and a buyer and the state would not accept it signatures. I remembered about the title. It was confusing. We did it wrong. Now we must have a Power of Attorney for Amica to make the changes. Tomorrow we will have it notarized at the bank, scan it, and send it to Amica. Eventually this saga will end.
After we have the salvage title, we must have the car inspected by the state and show pictures of the damage. We must make an appointment and take 2 copies of everything necessary, which means the application, the salvage title and the pictures of the damage. Christina has everything ready to go. Only then are we free to drive it. This has taken a long time and has been a bitter lesson for Kate. She will remember this accident but not fondly.
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