Last year someone hit my 2007 chevy cobalt and totaled it from behind. I had full coverage through state farm. They appraised my car at 12000 however my loan was for 19000. I had gap insurance to cover the rest. I signed all the paperwork and didn’t hear anything else. However, when I go to get a new car I come to find out my GMAC loan is still open in collections. Never received a call or a letter. State farm just sent the check feb 10th 2010. A year and a month later. I have been receiving negative hits on my credit for the last year. This is crazy im besides myself. Gap insurance never sent their payment said they never got a claim. What can I do someone please help me. My credit doesn’t deserve this Thank you!
THE PERSON WHO HIT ME LEFT THE SCENE SO I HAD NO CHOICE

Location, Tampa Fl. Approx 2 years ago my car broke down on the side of the interstate in a legally parked area. (I have police report) I left with a taxi for 10 minutes to get jumpers and came back to a completely totaled car. The driver was 18 and NOT under his parents insurance (whose car he was driving). Since then, my insurance has taken care of settling as far as paying off the totaled car (w/gap insurance) and also covered for my rental car at that time. However, I was just now notified by my insurance company 2 years later that they were unable to recover any money from the responsible party/at fault insurance company (which i guess they are fighting out at their level) and that i am entitled to pursue my 0 deductible. Where do i begin?? I have researched as much as possible and am unsure who, where, and what to do. My insurance company has absolutly no guidance they are able to give me on this matter except for all paperwork involved.

Thanks in advance.
Thanks for all the prompt responses. I never thought to call the individuals personally to give them the option. As far as i can tell, their insurance company is a scam type of deal. Even when the accident happened it took weeks for my insurnace to contact theirs. And with this happening recently, I’ve tried to contact them as well myself and left several messages to no avail. I have 4 years from the date of accident to sue by Florida law. I appreciate the input as far as what forms and sites would help me. Thanks again so much, all this information really helps me alot! I’ll try to call the parents and see what they have to say, but as I recall when i spoke with them soon after the accident, they were very rude and uncooperative. It’s not the 0 for me.. it’s the principle. They should own up to their responsibility.

Has anyone had a vehicle stolen and the GAP insurance denied the claim? My 2007 Durango was stolen last December, and I just found out last week my GAP insurance has denied the claim because they said their research discovered I was using the vehicle for business purposes, which I was not. Any suggestions on how to go about refuting their denial?