My daughter got her first new to her car a few years ago. She didn’t know how things worked so when she obtained insurance she only got liability. I thought the dealer is not allowed to let you leave the lot without proper insurance. Full coverage. One month later she hit black ice and totalled car. Needless to say the she had nothing but a car payment for a car that no longer exists. I called the dealer and they basically said …not our responsibility. Same thing was said by the insurance company.
Over and over I here ppl say that they were in the wrong. Do we have any recourse? We are low income so never could hire an attorney but it seems like that’s what it takes.
Am I wrong?
Location: Cleveland Ohio suburb
Comments
> I thought the dealer is not allowed to let you leave the lot without proper insurance.
The dealer isn’t required to stop someone from leaving the lot. The lender will often force-put insurance. It’s not required. What did she assume would happen if she were to have an accident, given that she had liability only?
Dealerships typically require proof of car insurance before you can drive a new vehicle off the lot you correct about this but its not a law, just standard practice.
Having only liability insurance is legally sufficient to drive in Ohio, so as long as she had that, it satisfied their compliance.