A few questions and comments:

1.
Bob, so now you're disabled. Is it permanent? If so, won't you soon be receiving
disability along with your wife?

2.
Yes, the dealer's people lied to you. Yes, your outrage is at least somewhat
justified. But like the others said, I doubt you have legal recourse. What you
can do is tell your story all over town. This may humiliate (somewhat) the
dealer and teach others to read the contract before signing. If one cannot
understand a contract, yup, get a lawyer or seek some other, independent
resource to translate the contract for you.

3.
I think the dealer's offer to give you back the premiums is very generous.

4.
If you can't make the car payments, seek re-financing. I have read lenders tend
to be flexible when it comes to changes in people's circumstances. They want the
money to keep coming in, one way or another. Maybe it won't be the greatest
refinancing package, but you'll still be able to keep the car. Other newsgroups
might better be able to handle any queries you might have about re-financing
your car. Post again if you want suggestions.

"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. 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. 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.
>
> 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 told us the best they could do
> is stop the insurance and give us our premiums back. That's not what we
> want. I should have been covered and they should be making our car payments
> now.