Hi, Chris, No sense in beating yourself up, it's water under the bridge,
There is nothing the Texas Statutes that would require the buyer to list the dealer or other seller as a lienholder and the only insurance requirement in the Statutes is liability insurance.
I do not like bluffing because it often comes back to haunt you, but in this instance, you might have to. Notify him in writing that he has no insurance and include something like this, "...As you know, as a condition of our financing your vehicle purchase, you were required to maintain in full force and effect, full coverage of the vehicle you purchased and were required to submit evidence of such coverage each period to us. You were also required to list us as lienholder on your certificate of title. We have conducted an audit of all our accounts and it has come to our attention that you do not have insurance and we are not listed as lienhlder. This is an event of default for which we can repossess the vehicle. We would prefer to amicably resolve the problem, but cannot do so without your active participation. If you wish to avoid repossession, you must submit evidence of full coverage automobile insurance which should include liability and collision insurance and present your Certificate of Title with our name thereon as first lienholder......."
Other than that, there really isn't anything that you can do to force him or her to get collision insurance. I wish there was something else I could offer as an option, but there isn't, so please do not hold this against me,
If you have questions in the future, please feel free to ask for me by typing my name at the beginning of your question, like this, "For Andrea .........."
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