car dealerships responsibility?
I got into an accident with another driver that had no insurance, and had no insurance since December. The thing is, she is still having her car financed through a dealer, now I know in the past if I did not carry some type of coverage, they would come and reposses my vehicle very quickly, payments made or not. This woman that hit me has no remorse for what she did, is there anything I can do with this dealership, and how in the world has this woman gotten away with that
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The only way a car will be re-possessed will be because someone didn't make their payments on that vehicle for at least 90 days and sometimes up to 120 days. The car dealer doesn't have anything to do with the insurance on the vehicle other than to require insurance on a loan contract. I hope at the time of the accident you did contact the Police and have them come out to the accident scene and make an accident report. If you didn't get a Police report, it will make things a lot harder for you to get anything done now. Your next step will need to be to contact your insurance company and tell them what happened. They may or may not pay to get any repairs that may be needed to your car. Reason being, without a Police report, you cannot prove that another driver hit your car. For all your insurance company knows you may have hit the other person and caused the damage to your car or you may have hit something else and are now trying to get the insurance company to repair your car. See where I am going?? Anytime you are involved in any type of accident make sure you call the Police and get a report of the accident. It will make things much easier for all involved including yourself. Good luck, I hope you can get it all taken care off.
Finance contracts, while requiring the borrower to maintain coverage, will NOT repossess the vehicle if the insurance has lapsed (they will, however, repossess it for failure to make payments, usually for three consecutive months). Instead, they will report it to your state's motor vehicle agency, who will then suspend the borrower's registration privileges. Then the person will have to (a) get coverage, and (b) get the registration privileges restored.
Now, getting to the gist of your question, did you call the police? Contact them to file a report, and contact YOUR insurance carrier.
if you didnt report this to police you can get nothing but trouble/cant figure out why people dont get police reporting involved/goes a long way in tilting towards good resolution/the dealer doesnt pay the insurance/got nothing to do with it/they may be looking for her too