Son Goku
No lover of dogma
- Joined
- 14 Jun 2004
- Messages
- 1,980
Re: Maybe my new car .. I find out monday, hopefully.
Gawd, I hope he hadn't; cause if he did, he's sorta in a pickle. That signature represents a legal agreement. Challenging it after the fact, would be tough.
Johnny, there is no doubt about it. They're trying to screw you over. And forget this "we don't go by Kelley Blue Book, blah, blah, blah". Bullsh*t! When I graduated from high school, I was in the market for a used car. And some used car salesman tried to pull that crap on me.
He insisted on selling a car to me, for about $4 thousand to $5 thousand above Kelly Blue Book value. Oh, he tried to make the same argument about it just being blue book, and that doesn't matter. There's another book, so dealers can make a profit, blah, blah, blah.... Oh, and mind you, he was asking like 2x the value on the stupid thing... When I didn't bite, he was trying to say "oh because I'm such a nice guy, I'll take $2,600 off my asking price". At which point my father's thought was "well, if he can take that much off and still not take a loss on the thing, obviously he's trying to pull a fast one..."
Mind you, I was also getting financing through Sharonview Federal Credit Union. And financial institutions have their own people who are used to dealing with car sales, financing them, and the like. One hint at what he was asking, and the credit union politely suggested this dealer can go to hell :laugh: Mind you, this was even after he negotiated down a couple times to try to get me to bite...
I would suggest one more thing. After you report this guy, as both another insurance angent suggested and the dealer suggested, and after you get this all straightened out, don't transfer that policy onto the new car. Get your money for coverage, and transfer insurance to the company who your friend works for, who said they'd give you Blue Book value, or something.
Do this, as soon as you can, and before your previous insurance company tries to monkey around with your premiums to try to collect the money they could end up having to pay you. After this nonsense they pulled with you, they don't deserve to continue receiving your money, any longer then you are currently required to give them under your current contract with them. However, I wouldn't suggest you mess around until after you get payment, just in cast they try to create more problems because they already lost your business (even though you were covered by them at time of acident)...
And if your policy allows, after getting payed, get insurance elsewhere, and then terminate your policy with these people... I wouldn't tell them this is what you're thinking until after you get payed also... Perhaps the insurance agent you spoke with, you could be up front with her about this, and see what she thinks, both wrt your getting fair compensation, and also when would be the best time for you to transfer your policy either over there, or wherever you might want to send your business in lieu of your current insurance agency...
Sazar said:Did you accept and sign off on it?
Gawd, I hope he hadn't; cause if he did, he's sorta in a pickle. That signature represents a legal agreement. Challenging it after the fact, would be tough.
Johnny said:I talked to a finance agent I know from a local dealership. She said that I can get financing. They are going to try and add on the cost of the car to the new loan. The thing that sucks about that is that it is going to raise the payments, I don't really know what I want to do right now though. She did tell me to call the insurance commission; she feels they ripped me off big time. I bought my car that got wrecked off of her. She knew what it looked like and insists that I should have got a lot more than that.
So, tomorrow I am calling the insurance commission and attorney general to have this taken care of. I also talked to an agent of another insurance company; some one I have known for a long time. She said that her insurance company would have given me Kelley Blue Book value plus tax and tags. That would have put it where I can put a couple of thousand down on a new and not be in the hole by a couple of thousand.
Johnny, there is no doubt about it. They're trying to screw you over. And forget this "we don't go by Kelley Blue Book, blah, blah, blah". Bullsh*t! When I graduated from high school, I was in the market for a used car. And some used car salesman tried to pull that crap on me.
He insisted on selling a car to me, for about $4 thousand to $5 thousand above Kelly Blue Book value. Oh, he tried to make the same argument about it just being blue book, and that doesn't matter. There's another book, so dealers can make a profit, blah, blah, blah.... Oh, and mind you, he was asking like 2x the value on the stupid thing... When I didn't bite, he was trying to say "oh because I'm such a nice guy, I'll take $2,600 off my asking price". At which point my father's thought was "well, if he can take that much off and still not take a loss on the thing, obviously he's trying to pull a fast one..."
Mind you, I was also getting financing through Sharonview Federal Credit Union. And financial institutions have their own people who are used to dealing with car sales, financing them, and the like. One hint at what he was asking, and the credit union politely suggested this dealer can go to hell :laugh: Mind you, this was even after he negotiated down a couple times to try to get me to bite...
I would suggest one more thing. After you report this guy, as both another insurance angent suggested and the dealer suggested, and after you get this all straightened out, don't transfer that policy onto the new car. Get your money for coverage, and transfer insurance to the company who your friend works for, who said they'd give you Blue Book value, or something.
Do this, as soon as you can, and before your previous insurance company tries to monkey around with your premiums to try to collect the money they could end up having to pay you. After this nonsense they pulled with you, they don't deserve to continue receiving your money, any longer then you are currently required to give them under your current contract with them. However, I wouldn't suggest you mess around until after you get payment, just in cast they try to create more problems because they already lost your business (even though you were covered by them at time of acident)...
And if your policy allows, after getting payed, get insurance elsewhere, and then terminate your policy with these people... I wouldn't tell them this is what you're thinking until after you get payed also... Perhaps the insurance agent you spoke with, you could be up front with her about this, and see what she thinks, both wrt your getting fair compensation, and also when would be the best time for you to transfer your policy either over there, or wherever you might want to send your business in lieu of your current insurance agency...
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