Son totaled financed car. FInancer reqd just liability coverage?

My son bought a car at a buy here pay here place. They required him to have liability coverage. Two days after purchasing the vehicle, he found the transmission needed repaired. They told him if he fixed it himself, they would put his payments off for a couple weeks. Once he got it fixed, the first day he got to drive it, he wrecked and totaled it. Now, since they only required him to have liability coverage, are they partially responsible.? I thought ALL cars that were financed had to be carried with full coverage by law. What are his options. He told them to come get it three weeks ago, but here it till sits. I looked at the contract, and it only specified liability coverage.?????

Son totaled financed car. FInancer reqd just liability coverage?

And some of the buy here pay here places don%26#039;t require any insurance coverage at all, as long as they get paid, they don%26#039;t care. Did you expect them to hold his hand and tell him what to do?

No, they are not responsible that your son wrecked his car. It was his choice to not have anything more than liability coverage. Obviously he can%26#039;t return the car to them wrecked, and they will still want to be paid as he agreed, so his only choice will be to fix it out of pocket since his insurance won%26#039;t cover the loss, and continue to make payment to the car lot until it%26#039;s paid for.

Son totaled financed car. FInancer reqd just liability coverage?

It looks more like an in-house sale than a financed deal. I would recommend him to get an extended warranty, wait a month then have the transmission fixed and file a claim with the warranty company (not very legal), otherwise you might need to speak with the office manager and get this issue resolved or call the state troopers. They sold him a DAMAGED vehicle and they knew it.

Son totaled financed car. FInancer reqd just liability coverage?

They may have only required liability insurance, but it was up to him to know better. He will still be responsible for the payments on the car even though he may no longer be able to drive the car.