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queennashiba | I have a car loan and my bank is charging me more money for not having insurance? |
I have a car loan from my bank and did not purshase insurance on my car for two years later on i found out my loan was ad up $3800 more when I call my bank they say that they had purchase a insurance to cover me what can i do to remove that money they had ad up in my loan i was almost done with my paiment and i have been to a lot my mother was very sick and finacially at the time i was drown |
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Irish Eyes
 |
You signed documentation when you got the loan that you would keep the car insured. Since you didn't, the owner of the vehicle (not you, the lienholder) is obligated to protect their interest in the vehicle by purchasing insurance and passing the cost to you. If you read your loan docs, you will see that you agreed to this. |
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mamatohaley+1
|
Let me see if I understand this correctly...
You did not have insurance as required by your contract with the bank. Which means you were driving around for 2 years WITHOUT insurance, which is against the law. The bank took out insurance to protect their interest, which is stated in your contract and you are mad that you have to pay it back.
You owe them that money, that is the cost of insurance when purchased through the bank. So no you are not almost done with your payment you now owe for the insurance you did not have for 2 years.
Consider it a lesson learned. Next time maybe you will abide by the law and your contract and get insurance!! |
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kiwi
|
I didn't think you could even get a license, nor allow the car on the road without insurance! So, the bank purchased iinsurance for you. Now, isn't that nice of them!
Not the proper place to save money. What if you had an accident in which someone was seriously hurt?
Pay the bank back. |
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mbrcatz
|
Well, nothing. You didn't have the insurance - which I'm SURE was a condition of the loan. The bank bought it. Just because you didn't put a claim in, doesn't mean the insurance wasn't in place.
Now you have to hurry up and add the insurance to your policy, so the bank STOPS charging you. Then you probably have to get caught up on the payment of insurance for the last two years to the bank, so they don't repo the car. |
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'Lissa
 |
you can't, until you pay off the loan in full, the bank owns your car. by you not carrying insurance they had to purchase their own to cover your vehicle to protect their investment.
you have to pay it. |
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agf_sj
|
Until you pay off your loan, your car is not your car. It's bank's car. Because it's bank's car, and you are borrowing the car from them, they make you get an insurance for the car. If you don't, then they will insure the car for you and make you pay for it. Only way to get them to stop is if you get the full car insurance yourself. And yes it has to be full not just liablility insurance. Also if you get the insurance yourself, you can most likely get the insurance cheaper than what bank is charging you. So remember, you car is not your car but bank's car and that they are letting you use it until you pay them full. |
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mei-lin
|
Sorry, but consider this a lesson learned.
1. Read the car loan contract before you sign it.
2. Be responsible and purchase insurance when you are operating a vehicle.
This is your responsibility. |
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toobusi_2000
 |
They do that to protect the car until it's paid off long as they are financing it they want insurance to cover it should something happen.I know from experience. |
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hiebkat
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Sorry to say darlin there is nothing you can do about it. Somewhere in your contract that you signed when you bought the car it states that you MUST carry auto insurance. If you don't the finance company will add it to your payment. I am surprised though that you didn't know about this before now. Did they not inform you they were adding it? That might be your loop whole. |
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Tunka
 |
That is because when you signed your contract you agreed to have your vehicle insured for comprehensive and collision coverages and protect the banks investment, if you do not keep the vehicle insured you not only violate the law but your contract with the bank and they can have the vehicle insured only for their interest in the vehicle and that type of insurance does not cover your liability required by most states and it will actually cost more than to have an auto policy. my suggestion will be to get an auto policy and provide the bank with proof of coverage so that they lower your payment, you may want to check with the state drivers licensing agency your license may be suspended for no insurance.Good Luck ! |
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bad t
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this site offers instant quotes on car loans, no matter what your credit situation is like. |
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