I live in California I went to Arizona to purchase my vehicle because that’s where the better deal was. While going through all the contract and paper work signing I asked about the 30 day insurance provided by the car dealer and the car sales person told me “Oh! We don’t offer the insurance because of all the old people here. If we give them insurance what they will do is, as soon as they leave the lot they will cancel it then add their own insurance for the car then we the dealership loose money so we just don’t offer insurance." I reiterated that I didn’t have any insurance under my name; he then proceeded to ask my girl friend if she had insurance she said “yes; but it doesn’t have his name on it or the car.” he asked her for her info and said that it would be fine. He then took her info and made copies. I financed the car through Capitol one not the dealer.
When I left the lot I was hit by a guy who backed into my car “just my luck”. The guy that hit me gave the police officer a phone # that was disconnected and his supposed name, but because the police are taking their sweet time with the police reports its making the process longer. I tried getting it covered through my girls insurance but since the car hadn’t been added and the car was under my name only the insurance refused to help because my girls name was not on the car title and the insurance policy belongs to her and her only. When I called the dealership to let them know they said that there is nothing that they can do. Then 2 days later I got a call from Capitol One they told me that they were going to cancel my loan because they found out that the car had been in an accident and they weren’t going to finance a damaged car. When I called the dealer again to forewarn them about the check from capitol one being canceled, they stated that if that’s the case then their lawyers were going to come after me to get payment for the car. Then the next day the dealer called me and told me that they were going to overnight me the 30 day insurance paper work and I needed to sign it and send it back ASAP then the accident would be covered. But when I ask for advice everyone tells me that this can be insurance fraud and I can get in trouble for this so I shouldn’t sign it. Everyone is telling me that the dealership is now responsible for the car and getting it fixed because they let me drive off the lot with out insurance under my name. Now I have chiropractor bills adding up because we were both injured in the accident should they be responsible for all this
I need more opinions. I need help with this issue. Can some one help me?