Consumer Protection Law
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Hi [USERNAME], my name is XXXXX XXXXX I will do the best to help you. My advice is general only and does not create an attorney-client relationship. Did you give your insurance ID card info to the dealership or a copy of the actual policy with declarations page?
I am sorry, what exactly did you give them my friend? I am so sorry to hear about this.
the insurance card info and a copy of the actual policy
the insurance card info and verification of insurance
What does your insurance card actually say with regard to your coverage? I have progressive and mine says nothing about the type of coverage that I have.
i have progressive
it lists the coverage information
does it say liability only, no comp no collision???
on the verification form
its says liability to others bodily injury liability $25,000 each person/$50,000 each accident
can you scan and show me what you showed them on the card .... not the policy.
mandatory personal injury protection $50,000 each person deductible: $200
give me a sec
the problem you will have is that you signed a document (I have 2 leased cars) that says you will maintain coverage on the car covering the car and with certain minimum bodily injury liability limits. Unfortunately it is not the dealers responsibility to interpret your car insurance coverage - however they should share part of the blame, but the lions share of the responsibility will unfortunately fall on your shoulders I am sorry to say. You should have known what kind of insurance you had. Insuring the car is your responsibility. I always hate being the bearer of bad news my friend. But when you signed a contract saying you had and will maintain insurance on the car (because it belongs to the lessor) and you failed to have that insurance, you are in breach of contract as well.
so there is nothing that I can do
I can only hope that the damage was not that great. You should find a decent body shop, ask for references from friends, co-workers, etc. Get some estimates and choose the cheapest one. IF your car is driveable and you can't afford to get it fixed right now, get it repaired later when you can afford it. BUT GET THAT REQUIRED INSURANCE RIGHT NOW. CALL YOUR PROGESSIVE TOLL FREE NUMBER AND TELL THEM YOU JUST BOUGHT A NEW CAR AND NEED IT COVERED PER YOUR LEASE.
Unfortunately there is not really anything you can do.
Even though I am the bearer of bad news, I would appreciate your positive rating. Please let me know how things turn out.
I wouldn't go through progressive again
there's a lot of damage
Ugh! I am so sorry.
this is the worst experience
thank you for your help
you're welcome. Again, I am so sorry.
Thank you again for your positive rating.
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