Can a dealership sell you a car without car insurance?

August 19, 2017 · Posted in FAQ 
car insurance
karmelcoloredprincess47 asked:

I bought a car, thinking I had car insurance, and I want out. I didn’t put any money down, yet i signed the paperwork and drove off the lot with the car. I brought back the same day, but of course they didn’t take it back. Can they hold me to the loan if i didnt have car insurance and i have no job? I am only 19 and want a way out.

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13 Responses to “Can a dealership sell you a car without car insurance?”

  1. David J on October 22nd, 2009 5:00 pm

    You signed it, it’s yours dude.

    And i’ve never had insurance come with the car i’ve bought, i’ve always had to arrange my own.

  2. l3utman on October 25th, 2009 12:31 pm

    In Callifornia there is a three day, no fault, return law. Check what is legal where you are.

  3. Chris B on October 26th, 2009 6:05 am

    What state are you in that you think you don’t have to purchase your own insurance apart from the car? It’s obvious they are not responsible and you ARE responsible for the loan you signed for. You have no job…where did you think you’d get the money for your car payments?

  4. curmudgeon on October 28th, 2009 4:50 pm

    call your state attorney general’s office.

  5. BD on October 31st, 2009 8:41 pm

    those lames tried to get me to buy a car with no license, no job, no insurance all from a “dui” and said i could come to the lot and take one home with just a down payment and paperwork….but no legally they cant sell u a car with no insurance i dont even know how they get away with it, the loan has to do with the bank so u have to go through them, find out which one and tell them what happend, they wont be happy with the lame dealers…

  6. Jase on November 2nd, 2009 3:36 am

    Yes they can. The car insurance is your responsability. Besides you had no business trying to get a car if you don’t have a job. It is your own fault even if you are only 19.

  7. jhg on November 3rd, 2009 9:23 pm

    Car lots are not responsible for insurance, that is the owners job to purchase that. With a new car that is not yet paid for the insurance is a requirement.

    Sounds like you made a bad mistake that you are now stuck with. Once you signed the paperwork you became bound by contract to fullfill everything that is in that contract. If you don’t fulfill it you can be taken to court for breech of contract. (Not fulfilling your end of the deal)

    I guess you better start looking for a way to support your car really fast and get car insurance and plates for the car. If you don’t get plates (if it is brand new) and you don’t get insurance then you will get into even deeper doodoo.

    Good luck with everything

  8. Stephanie73 on November 6th, 2009 7:52 pm

    No, at least in NJ, once you’ve signed the paperwork, it’s yours. As far as insurance is concerned, they can sell you the car without insurance, but can’t register it. It can, however, be titled to you without insurance. Some dealerships even can provide a short-term policy (7 days or so) to cover you while you obtain your own insurance policy. I don’t mean to be harsh, but why would you sign for a car loan if you don’t have a job? The only thing I can suggest is to talk to the management of the dealership, and beg them to buy you out of your loan, or buy your car back so you can at least pay off most of the loan. They are under no obligation to help you though. You signed the contract, and it’s your responsibility to pay for it. I’m sure that this is not what you wanted to hear, but that’s the way it is.

  9. Rudy L on November 9th, 2009 1:45 pm

    Yes, the moment you drove off the lot it became yours. Do not beleive anyone who tells you that you have 72 hours to change your mind, that is not true. There is a law that protects consumers from door to door salespeople who solicit business from you at home, but being you solicited business there, at their location you can not use that law to recind the deal. The fact that you had no insurance at the time that you left their location has no bearing on the law. You can park it at the curb and ignor your payment book when it arrives in the mail, but it will just be imounded by the law and ruin your credit. I am sorry to say…YOU BOUGHT A CAR!!!

  10. Diane M on November 11th, 2009 5:00 am

    Insurance doesnt come with a car. You have to get it on your own. If you are over 18 and signed the loan agreement, you will have to pay. I cant imagine how they would get financing for someone with no job to sell you the car. I would suggest getting a job before the repo man shows up to take your car away

  11. Fred C on November 14th, 2009 9:14 am

    It is a requirement for you to obtain insurance or the loans company will put it on and add it to the loan.
    How can you “think” you have car insurance?

  12. Amy Angel on November 16th, 2009 3:17 am

    Having car insurance is not the dealerships responsibiltiy, it is yours, so yes they can do that.

  13. mister ss on November 18th, 2009 12:29 pm

    you signed the papers I think your SOL, you might want to contact a lawyer and talk to him to make sure.

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