Legal Question in Consumer Law in California

Vehicle reposession on a non-loan related debt?

We purchased a new vehicle from a local dealership about three months ago. We were there late in the evening on a Friday and our insurance carrier wasn't open at the time. The loan officer attending our purchase located an online insurance company that would give us printable proof of insurance at the time and he said that if we got our insurance carrier's coverage by Monday we would not have to pay for this (absurdly expensive) online insurance. We wrote a check for the amount of the insurance which they were to hold and destroy when they received evidence of our coverage with our provider. We complied with the terms of the deal, yet they, but they tried to collect the money for this insurance despite this. We canceled the check before they were able to deposit it. There was some communication about this at the time, but it was understood that this was misrepresented to us and they did not contact us again until today. They are saying we have to pay or they will pursue legal action up to repossession. Do they have any legal recourse to repossess our vehicle on a non-loan related debt?


Asked on 7/06/07, 3:31 pm

1 Answer from Attorneys
Jonathan Stein Law Offices of Jonathan G. Stein

Re: Vehicle reposession on a non-loan related debt?

If you did not receive the insurance, they are not entitled to the money. It is that simple. If you received the insurance for two days, then they get the amount of premium for those two days.

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Answered on 7/09/07, 2:22 pm


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