Stealership whoas

"ESSSIX GmbH - Accountant/Wagon Thumper" (thedlo) 01/03/2019 at 15:00 • Filed to: None

0

35

This is for attention, did it work?

I have a question, when the dealership takes care of registration and insurance transfer (for a fee of course), what are they required to send? Window sticker and pictures?

I’m actually asking for a friend, he got a lease but apparently they didn’t do either, and long story insurance removed the comprehensive coverage for the failure to provide either pictures, bill of sale/contract, or window sticker. Now the kicker is that this was only realized after he was involved in a hit and run (someone hit his car and ran). Leaving him stuck with the repair bill on a leased vehicle. I always thought that in the event of any insurance change the dealership or bank would be notified.

Anyways clearly someone dropped the ball.

Please advise. (aka WTF)

RPM esq. > ESSSIX GmbH - Accountant/Wagon Thumper 01/03/2019 at 15:04

2

Are you in the U.S.? I’ve never heard of anyone other than the insured person doing anything to do with their insurance. Registration, sure. It might be different somewhere like British Columbia that has one hybrid company/agency that handles both.

TysMagic > ESSSIX GmbH - Accountant/Wagon Thumper 01/03/2019 at 15:07

1

While it didn’t get to the extreme and I have no idea of the legal actions that could be taken there, upon purchasing our CX5 the dealership said they couldn’t transfer our current vanity plate because it was only registered to me and the CX5 is my wife and I co-signed. So they said you have to wait for the new tags to come then take those to the county clerk to get them swapped. Nearly 2 months go by, I call the dealership’ s title clerk and she goes the finance and sales people are wrong. I’ll transfer your vanity plate, go put it on the car, expect a check back for our processing fee and I’ll include your registration with that. She also emailed it to me. I had the check in two days. Pretty dang ridiculous.

Makes me curious if this is more common than expected? 

E90M3 > ESSSIX GmbH - Accountant/Wagon Thumper 01/03/2019 at 15:10

0

Dat engine > dat ass. 

Arrivederci > RPM esq. 01/03/2019 at 15:12

1

Same here - I’ve always transferred my insurance personally and the dealership has handled the registration, for a fee.

KingT- 60% of the time, it works every time > E90M3 01/03/2019 at 15:13

4

Dat A.. .udi

ESSSIX GmbH - Accountant/Wagon Thumper > RPM esq. 01/03/2019 at 15:14

1

Yup, NY, the dealer charges a fee to handle registration transfer and insurance, which for a lease makes sense as they are protecting their interest. Spoke to a non affiliated agent and they said the lessor is suppose to be on the insurance documents, since the car is ultimately theirs after the lease is up. And that part of the initial paperwork is sending the window sticker or bill of sale, or pictures...

Someone done fucked up.

ESSSIX GmbH - Accountant/Wagon Thumper > E90M3 01/03/2019 at 15:15

1

and in that car! miss me some 2.7 fun.

Highlander-Datsuns are Forever > ESSSIX GmbH - Accountant/Wagon Thumper 01/03/2019 at 15:17

2

I’ve always taken care of insurance myself shortly after the transaction to make sure the car was covered. It’s just a phone call with the VIN number. Full coverage is usually required as part of the loan or lease terms. I don’t know why the dealership would do this.

Sovande > E90M3 01/03/2019 at 15:23

4

And you wonder why you’ re single...

RPM esq. > ESSSIX GmbH - Accountant/Wagon Thumper 01/03/2019 at 15:24

1

Interesting. Obviously the lessor would be on the insurance, just like a financing lender is, but I’ve never heard of a dealer handling that. I wasn’t even aware they could . But I’ve never had a lease.

E90M3 > Sovande 01/03/2019 at 15:28

2

Nah, I don’t wonder. 

WilliamsSW > ESSSIX GmbH - Accountant/Wagon Thumper 01/03/2019 at 15:32

1

This is going to be specific to the state the transaction occurred in.  In Illinois, the dealer doesn’t handle insurance - the buyer does.  Insurance companies have a grace period so you can drive the car home and then call them with the VIN the next day.  I recently bought a car from a dealer in Michigan, and they required me to get an insurance card before they would let me drive the car off.

Highlander-Datsuns are Forever > E90M3 01/03/2019 at 15:37

2

It’s a toss up as to which one would keep factory OEM specs longer .

PartyPooper2012 > ESSSIX GmbH - Accountant/Wagon Thumper 01/03/2019 at 15:40

2

Damn! Trying not to stare at dat ass... but can’t look away

Ash78, voting early and often > Sovande 01/03/2019 at 16:00

0

Yep, any woman who sees you lusting over a 2.7tt or 4.2 V8 knows to stay far, far away.

Long_Voyager, Now With More Caravanny Goodness > ESSSIX GmbH - Accountant/Wagon Thumper 01/03/2019 at 16:12

5

AAAAAASSSSSSSSSSSS.

*what were you saying?

ESSSIX GmbH - Accountant/Wagon Thumper > Long_Voyager, Now With More Caravanny Goodness 01/03/2019 at 16:16

1

look at her boots, be disgusted , then continue reading.

WiscoProud > RPM esq. 01/03/2019 at 16:16

1

That sounds suspect to me too. Maybe they mean they’ll help get the person insurance if they don’t have it? I’ve always just did it myself. Often you can just do it online. 

Long_Voyager, Now With More Caravanny Goodness > ESSSIX GmbH - Accountant/Wagon Thumper 01/03/2019 at 16:18

3

I tried, then my eyes just wander back up and decide the boots don’t matter....

RPM esq. > WiscoProud 01/03/2019 at 16:37

0

I’ve done it in the app during the five minutes it takes the dealer to run my payment card and print out my receipt.

Coty > ESSSIX GmbH - Accountant/Wagon Thumper 01/03/2019 at 16:51

0

I don’t know about other places, but in New Hampshire and Vermont (the only states I’ve sold cars) we literally just call up with the VIN and in some cases the mileage, and then they send us proof of insurance. What would they need pictures for?

Nick- Professional Car Destroyer > Long_Voyager, Now With More Caravanny Goodness 01/03/2019 at 16:52

2

I tried really hard, I don’t see any boots.

Wrong Wheel Drive (41%) > WilliamsSW 01/03/2019 at 16:54

1

I’ve always had insurance before I take receipt of a car. I’ve never bought from a dealer but I cant imagine it works any differently than private sale for insurance. I usually just set up the policy before heading out to meet the seller for the money exchange since its easy to do over the phone. 

Coty > WiscoProud 01/03/2019 at 16:55

0

See I’m on the opposite side. I’m amazed the dealer doesn’t make you have them do it. Anything financed or leased (although I don’t do leases anymore) I always tell my customers that I’ll call. I have to get proof of insurance for the finance company, and I’m not going to chase you for a week after you leave to get it.

WilliamsSW > Wrong Wheel Drive (41%) 01/03/2019 at 17:32

0

I can actually call   my agent after the deal, in case anything goes south, the VIN is wrong, etc. Think I have 7 days Grace, although I did it in advance on the Mercedes.  

Wrong Wheel Drive (41%) > WilliamsSW 01/03/2019 at 17:36

1

But what happens if you were hit on the way home somehow? 

WilliamsSW > Wrong Wheel Drive (41%) 01/03/2019 at 17:38

0

I would be covered under my existing policy (I have 3 cars), despite not having added the new car yet. Really. 

Wrong Wheel Drive (41%) > WilliamsSW 01/03/2019 at 17:53

1

Oh, thats pretty neat! Always thought insurance would just be like YOU DIDNT CALL, GOOD LUCK!! Most carriers are probably like that but who knows. Never thought to ask lol. 

WilliamsSW > Wrong Wheel Drive (41%) 01/03/2019 at 18:01

1

YMMV - I would talk to your agent before trying it. Different companies and different state regulations might make that impossible.

I call my agent before doing it, every time, just to be sure.  

Monkey B > ESSSIX GmbH - Accountant/Wagon Thumper 01/03/2019 at 18:07

2

she has boots?

Monkey B > ESSSIX GmbH - Accountant/Wagon Thumper 01/03/2019 at 18:14

0

there’s a staff of people in that building that are paid to do this stuff. Dealing with DMV, insurance, finance companies...you don’t want to do this shit, it sucks. There’s always a legal consent form allowing them to do it for you, so I guess you could not sign and do it yourself...but then again state by the laws may differ.

I’m a vendor for dealers, some hook me up like they do employees...and employees pay it as do I. My experience is with dealers in Delaware and the surrounding region.

so, the fee pays the employees. It’s not arbitrary.

ESSSIX GmbH - Accountant/Wagon Thumper > Coty 01/04/2019 at 09:51

0

to make sure you arent about to make a claim for a newly insured car. When they’re new all the insurance needs is one of those 3 things I mentioned. Bill of sale, and window sticker both prove the car is brand spanking new, as well as the stated value. Ive only driven older cars, so they dont even ask for pictures since the value is low enough to not need any pictures but todays newer cars and their onetime use bumpers can be a crazy expensive fix.

Coty > ESSSIX GmbH - Accountant/Wagon Thumper 01/04/2019 at 13:45

0

Literally never heard of that and I’ve been selling cars for 5 years.

ESSSIX GmbH - Accountant/Wagon Thumper > Coty 01/04/2019 at 15:49

0

Yea, it was news to me. Again all of my cars have been used, and none worth more than 15k. So I have never had to do that, but my folks had to when they switched insurance, both there cars were under a year old at the time. Its done a proof of condition and value. Haggerty had me take pictures of my 2 classics, when I insured them, and they’re not even worth that much. It is a thing, just not a common thing.

Rusty Vandura - www.tinyurl.com/keepoppo > ESSSIX GmbH - Accountant/Wagon Thumper 01/22/2019 at 16:08

0

You should ask Steve Lehto.