Well I see the error of my ways now, it was late and the store had closed,
the finance manager wanted to go home and so did I. At the time I didn't
even care my wife was listed as the primary debtor, I just wanted to sign
the papers and go home. I didn't even see why we needed a new used car. At
least our 1991 Plymouth Acclaim was fully paid for and it had a trunk you
could hide valuables in, unlike the tiny compartment under the CRV's back
mat. I thought to myself as long as I have a roof over my head and money to
pay my cell phone and cable modem bills I'm happy, so if she wants to see us
get screwed royally she will pay for it later. Now it is time to pay the
piper. Haha. But I still think I was deceived by Honda for agreeing to buy
disability insurance they knew we could never use.

"Elmo P. Shagnasty" <elmop@nastydesigns.com> wrote in message
news:elmop-04F042.20300405072004@text.usenetserver.com...
> 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.
>