In article <RPkGc.13614$JR4.1365@attbi_s54>,
"Bob Travis" <e_quip@hotmail.com> wrote:

> My wife and I feel like Honda screwed us when we bought a used CRV in 2002.

I'm sure Honda didn't screw you.

The Honda dealer, though, is a different story. You do know, don't you,
that the Honda dealer is an independent businessman? He isn't Honda.
He just sells their cars--in a manner that makes him as much profit as
possible. Some dealers lie, cheat, and steal to do that. But that
doesn't have anything to do with the manufacturer.



> The finance manager said that if we bought the insurance he recommended

Did you know he gets paid a commission on that crap? He's just another
salesman. Did you buy his products without knowing what they were or
how much they should cost?

You can *always* buy everything outside the car itself somewhere else.
You can buy the money somewhere else (the financing), and you should.
You can buy life insurance somewhere else, and you should. You should
never, EVER buy multiple things from the car dealer. He's there to sell
you the car, period.

So this guy wants to sell you insurance. Didn't a little bell go off in
your head, wondering why? Does your insurance guy try to sell you cars?



> if
> either one of us became disabled the insurance would cover the payments
> until we could get back to work.

This would all be laid out in the contract. You read the contract
first; if you agree to the terms, you sign it. If not, you don't. If
you don't understand the terms, how can you possibly agree to it? If
you don't understand the terms, you shouldn't sign it until and unless
you do understand the terms.



> We figured the Honda employee wouldn't lie

Ohmigod. Because you're a rube straight out of the cornfield....


> so we signed the contract without reading it.

And this is someone else's problem? I don't think so. You started this
thread by calling this a deceptive trade practice; now it's just someone
smarter than you selling you something you never even bothered to TRY to
understand. That's not deceptive on his part. That's just plain STUPID
on your part.

Suck it up. Be a man. Admit to your mistake, learn from it, and move
on. But don't try to make it someone else's fault. Hell, you're not
even doing a very good job of *that*. You're tripping all over yourself
to admit that you were at fault, by doing something stupid yet perfectly
legal--you signed a contract without reading it.

Whether you read it or not is immaterial; under the law, you signed it
therefore you're beholden to it.



> If we had read it

If wishes were horses. If I had hit that MegaMillions last week, I'd be
worth $200 million. So what?



> we would
> have noted that only the primary debtor (my wife) was covered. We had
> already told the Honda guy my wife was on permanent disability so she could
> never be insured anyway,

If she can't be insured, then they won't issue the policy and you won't
have to pay anything. If they issue the policy and take your money,
then she's insured. Claim the disability and stop paying on the car.
When their insurance carrier investigates things, he'll find that they
never should have issued the policy in the first place. Worst case,
they'll deny your claim and revoke your policy--and you won't have to
pay anything.

Why do you sign contracts without reading them? Why do you buy
insurance from a car salesman? Do you buy ice cream from your plumber?
The two things are entirely unrelated, and you shouldn't do business
like that.


> We are considering many courses of action

For what? What harm has come to you? If they're taking your money and
giving you a policy, you're insured. You bought the insurance, it's
yours. You got the product. If they don't issue the policy, then you
don't have anything to pay for and therefore don't owe anything on it.
No harm.

No harm. Got it? Either you're harmed, or you're not. The only way
you'd be harmed is if they take your money AND don't issue the insurance
policy. You DO know that insurance is regulated by your state, don't
you?




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

I'm still waiting for the part of your story whereby you filed a claim
under this insurance and were denied because you never had a policy. I
don't see that part of it. I can only infer, I can only read between
the lines, that your disability claim was denied 3 months ago. But you
don't tell us why.

But then again, maybe it wasn't denied. Maybe you never filed. Maybe
you just ASSUMED you wouldn't be covered, now you're crying in your beer
over a bunch of assumptions.