Legal Question in Consumer Law in New York

Much depends on the exact words in the exclusion. The reference to the Sales of Goods Act is an opening, since that statute was repealed in New York in or about 1964, when the Uniform Commercial Code was adopted.

Did you purchase collision and comprehensive insurance? Because the loss occurred before the ten-day photography window closed, this should be a covered claim...if you bought the good insurance. If your broker sold you a cut-rate policy you should consider a claim against the broker (and maybe you should have an insurance check up, too; I do those for around $300 for a small business and you'd be amazed at the mistakes I find).

They can't disclaim liability for negligence. They can't disclaim common law rules: they are the law and while the exclusion of consumer protection is valid (this is for your business) there are zillions of tricks to be played back on this seller.

How much would it cost to make the car right yourself? Then ask yourself if you shouldn't do the work, drive your car, and file a small claims proceeding? Costs less, for sure.