I am the owner of a car in the state of PA. The car is legally parked on the street and unoccupied. At 6:00 AM, another car wrecks into my car. The police are on the scene and submit an accident report basically staing what I just said. The driver of the car is uninsured, but he does not own the car. The owner of the car is insured but she states that she sold the car to the driver back in November. Both parties, the driver and the owner are saying that money has changed hands, however the transaction was never finalized. The owner still has the car in her name and still carries insurance on the car. The insurance company is telling me that because both parties claim that money has changed hands, they are interperating that as a rental condition and denying my claim for money owed me to get my car fixed. The owner of the car still has a valid and up to date policy on that vehicle, and the vehicle is still in her name. What should be the next step?

Have you submitted this matter to your insurance company? If you have uninsured motorist coverage, that should protect you.

Who cares what "they say" you are wasting time talking to them.

First you merely turn it over to your insurance and let them pay you and then sue the other people.

The person who owns the car is the one who has the title in their name at the time of the accident.

You can sue both people, one as the driver, the other as the owner. Basically name both of them in the law suit and let the judge sort it out.

If your insurance company pays you, it would be your insurance company which would have to sue the other people. Much easier.