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In 2009 I was financed for a 2009 Honda Civic coupe. In April of 2010 I was in a car accident that resulted in the total loss of my car. My insurance company has stated that I never had comp or collision insurance on the car. I was never notified by the dealership or my finance company that my insurance was not sufficient. Legally can you leave a dealership or be financed for a new car without insurance?

Answers from the Automotive Experts

Patricia Algier , Owner at Valley Dealer Exchange Inc Dear Tiffayne, The Dealership is not responsible to make sure you have insurance before you leave their lot. They are only responsible to tell you it is a law to have it at least in California. What is interesting is that the finance company will usually not fund the Dealership for your car until proof of insurance is supplied. In addition all the finance companies and banks I have dealt with require full coverage insurance at all times and if it lapses will usually force a policy on the vehicle and then send you a bill. I think your issue is with the finance Company not the Dealership. Patti

Jessie L Thatcher, F&I and Sales Specialist at Reynolds and Reynolds Company  (Retired) This is a great questions, you need to check with your finance institution and see if they ever verified your insurance. It is common practice to not let anyone take a vehicle from the dealership without verification of full coverage insurance. The financial institution requires the same. You may have to see an attorney on this one.

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