On Mon, 05 Jul 2004 22:42:57 GMT, "Bob Travis" <e_quip@hotmail.com>
wrote:

>My wife and I feel like Honda screwed us when we bought a used CRV in 2002.
>The finance manager said that if we bought the insurance he recommended if
>either one of us became disabled the insurance would cover the payments
>until we could get back to work.

That is commonly known as the most expensive insurance known to
mankind. It's also one of the hardest to collect on. Hell, by the
time you finish all the requirements to claim it you have usually
spent more money than you saved.

>We figured the Honda employee wouldn't lie so we signed the
>contract without reading it. If we had read it we would
>have noted that only the primary debtor (my wife) was covered.

You signed a contract on a major purchase that you hadn't read and
obviously did not understand? You just basically admitted you are on
your own with zero recourse.

>We had
>already told the Honda guy my wife was on permanent disability so she could
>never be insured anyway, so the finance manager should have changed me to
>the primary debtor so at least I would be covered and we wouldn't be paying
>insurance premiums just to fatten Honda's wallet.

The primary debtor isn't based on the needs of your insurance company.
It's based on your credit, your ability, stability, and willingness to
pay, etc. If your wife is on a very limited disability income I find
it amazing that she was financed as the primary in the first place!

>We are considering many courses of action but we would like a second or
>thiird opinion before we decide what to do. For the record I have been
>disabled for three months now and because Honda lied I have had to make a
>$278 car payment every month after becoming disabled with no income other
>than my wife's meager diability check.

Honda did not lie. The dealership employee may be partially at fault,
but the major fault lies with your failing to understand the contract
that you entered into. Like it or not, you are at fault there. There
are certainly cheaper and more effective insurances for such occasions
(the duck comes to mind). Your basic course of action is to sit back,
smile, live, and learn... however, you have already achieved the only
really pleasant outcome below.

>Honda told us the best they could do is stop the insurance and give
>us our premiums back.

Honestly, they don't even have to do that. That is a very kind effort
on their part and if I were you I'd take it and run. Heck, apply it to
those payments.

>That's not what we want. I should have been covered and they
>should be making our car payments now.

Is that what you WANT or is that the contract you SIGNED? There is a
huge difference. I want a nice Ferrari 360 Modena Spider but I've
been happily living with my Miata's for years. (soon to be an S2k or
STi, not sure which yet)