hey turtle, if your charge pipe is 2.5 send me a pm, i need that and a wideband.

 

I bought my car new with no gap insurance, the dealer said i didnt need it

 

u should go get gap lmao... i have 2.5 hot side charge pipe and 3 inch cold side.. i cant part out yet tho waiting on gap

 

keep the car for parts and look for another one that needs work..

 

you probably cant part it out regardless until the loan is paid off.
Cuz if you parted and stopped paying the bill, and they came to repossess, there would be a wrecked empty shell sitting there... you would be sued asap.

 

i dont see how he didnt have full coverage anyways... the banks have always requested a copy of the insurance info for me.... sounds like his bank screwed up and if they tried to suit him they would lose due to their neglegence.

 

^ that wouldnt stop it from going on his credit report and ruining it, and next time he applies for a loan they would deny him.

...if he didnt pay off the loan that is....

 

then sue their ass... what the **** have you been paying premiums for if they weren't going to cover a total loss? this is why you read your policy

and I repeat, no matter what a dealer tells you(which I don't see why they would seeing as how they usually offer it), anyone who buys a new car WITHOUT gap insurance is a moron... why? because it doesn't matter if you have the best insurance company out there with the best coverage, lowest deductible, etc... if you total a car, guess what they give you: Book value, that is it, not a dollar more... on a financed car, OFTEN TIMES(more likely than not) you will owe more than the book value, for the 1st few years its almost always like that unless you put down a ridiculous down payment, just because in the 1st two years every car takes a beating in resell, after that, it levels off(unless you drive a Cobalt, lol)... so pretty much if you happen to total a new car within two years, you will be upside down on it if you don't have gap... people who take hits in trading an old car in and buying new, are definitely morons, because then you could be in the hole up to $10,000... i've seen that personally happen to someone I know with a Nissan Titan

 

When I got my last 3 cars my bank actsully wanted to talk to my insurence agent before they would even give me the loan. I had to also have proof of insurence on the day I signed my paper work. I don't understand how your bank didn't follow a simlier process. Have you talked your bank! My loan paper work actsully states the coverage on my car.

 

my dealer told me i didnt need gap, because i didnt finance the car

 

This may be old news by now but as far as how you may have only ended up with pip/pd. Some insurance companies will strip your comprehensive and collision coverage if you don't get an inspection after the first 30 or so days you start the policy.

 

What kind of inspection? That's not something we have to do by us. If my insurence company even thought about changing mine, they have to talk to the bank first!

 

didnt you get a printed copy of your policy when you bought it?
It would say in there for sure whats covered!

 

in MA you need a photo session with the car within 14days of insuring for collision coverage. this is so they have documents of what the car looks like now before you make a claim. also the ins. company isnt responsible for what the bank wants, you are. and vise versa. so no matter what the blame will come back to you. hope it works out for the best.

and no matter what, when the repo a car. they sell it at auction, and then your responsible for the difference after that. just like a house.

 

what sucks about havin a car thats fast or a car that looks fast... ur own insurance company automatically blames u for fault... because everyone thinks ur speeding!!!!...when i got into my accident in my srt-4 i was going threw a green light and some dick decides 2 make a quick left on the ooposite direction and bam i hit a van while i had a green light!.. the other drive has a green arrow only...from the cops,andthe insurance company... all i heard was when they saw pictures snd seen my car... looks like u were going reallly fast! how fast u were going i told them i was going by speed limit.... nah impossible... which the funny thing is like 6 years before i had the same accident but i made the left but i had fault lol... so in this accident i get fault again lol but i went straight and i had a green light....

 

Dam bro any part For sale?

 

na bro getting another cobalt

 

sub'd for later

 

yea bro stick aorund lol...

 

i would beat the **** of the person who clipped you..