My question involves a consumer law issue in the State of: Ohio
My 7-month old leased car was stolen about a month ago. It was recovered a week later with about $9,000 in damages and I went through my insurance carrier's preferred shop to have the repairs completed.
It was outside the shop parked next to one of their tow trucks and the truck caught fire. The fire spread to my car and it was completely destroyed. Apparently, they had completed about 95% of the repairs so my insurance carrier paid them about $8,700 for the work they did and the shop's insurance took over for the total loss claim. Their insurance is paying ACV for the car and luckily it is worth more than the lease payoff so i should get so I should get some of what I put down back to go towards a new car.
I went to the dealership to start the process of replacing my car. My car was a 2016 model year and I planed to replace it with the exact same thing. The problem is that the residual values on my car have changed and a new lease with the same amount down and the same term is now going to cost me over $100 more per month (about $3,000 total for the lease)
I don't see how it is right that I am stuck having to fork over an extra $3,000 to get back to where I was. The car was in their care, custody and control when this happened and it was their tow truck that caused the fire.
Do I have a claim if I try to go after the shop for the additional amount that is needed to replace my car? I in no way want to profit off of this, I just want to be able to get the same car with the same payment.