I'm posting this on behalf of my mother, so this is all secondhand. This took place in virginia.
To make a long story short my sister was driving my mother's car and someone in a stolen car rammed into her at a stop light. The insurance company hemmed and hawwed about totalling the car, but eventually did so. The car was totalled under my mother's policy's uninsured motorist coverage. This caused a great deal of stress to my mother because she wasn't sure for weeks what would happen and she doesn't have the money to replace her car herself. This has nothing to do with the problem, I just want to convey that she was already stressed about the situation.
She secured a loan - not through the dealership - and purchased a new Toyota. According to her she paid the dealership $300 and signed an agreement to buy the car. They turned over possession of the car to her. At this point I am not sure who has the title/ownership.
This is where it gets tricky. The salesman made arrangements with her that he would pick the car up from her workplace and drive it to the dealership to get some kind of spray coating (I honestly have no idea what coating this is, but it doesn't matter). At this point my mother had had the car for two days. While he was driving the car on the the dealership's lot another worker at the dealership backed another car into him. My mother's brand new car now has a big dent on the passenger's side door. I have not seen the dent at this time. She told me the dent is at the place where the door joins the car making the door unusable.
The dealership have offered to repair the car at their expense. I don't think my mother should take the car. She is paying for a new car, not a car that has been in an accident. She has not spoken to the dealership manager. I think they are trying to take advantage of a sweet single older lady.![]()
What are her options at this point?
She is already stressed and tired of dealing with cars. She is also upset because she doesn't have wonderful credit and she thinks if she has to get yet another loan, the rate will be worse and it will cost her more money. However, she still has the loan money and has not given it to the dealership.
Sorry for the long post... please help

