Online California Auto Insurance For My Lemon Car?
If you want to get a good online California auto insurance quote for a lemon, then you have to keep track of what is going on with the lemon, because for the time that you have the car it will be considered a higher risk because its delicate state will make it more susceptible to damage in the case of a car accident. If you want to make sure you are not overcharged in your auto insurance quote for your lemon car, then you have to be able to prove why you should have a cheaper rate.
Here’s what you should keep track of:
- All of the information that you have from when you first bought the car. This includes that big envelope containing your contract and everything you signed which was given to you by the dealership. You should also have on hand anything about the warranty for your car, as well as whatever ads you saw, if possible, that alerted you to the sell of the vehicle.
- All of your registration stuff. You’ll need to be able to show with your online auto insurance quote in which state the car was registered when it was bought by you, and where it is registered now (California).
- Any documentation you have about repairs. Your online insurance quote about this will get the information from your CLUE report, but in order to get the best deal, you have to make sure that all of the repairs were done by the dealer or manufacturer with OEM parts. You should also make sure that any statements or bills that the repair shop releases should have your version of the damages, because a lot of times the car lots will sidestep lemon laws by playing with words.
- California auto insurance law requires you to tell the dealer that your car is a lemon, so you need to send a letter. Make sure you have a copy of this, as well as the response, and any other correspondence between you and the manufacturer. Also make sure that all letters are traceable, so that you can have proof that they arrived or not.
Should You Tell Your Auto Insurance Company You Bought a Lemon?
Reader question:
I bought a used car. I think it is a lemon. Do I have to tell my California auto insurance company? Should I file a lawsuit?
Laura
Thank you for asking, Laura.
You absolutely can get your lemon car insured through a California auto insurance company. However, since the car is not in good condition, you might find that the California auto insurance company charges you more because it is a higher risk and also less safe than other cars. If you shop around a bit, though, you can find the best price on your car, which can also be done by applying discounts to your policy with your California auto insurance company.
As for filing a lawsuit, unfortunately you are out of luck since you bought a used car. According to California auto insurance law, a lemon is only defined when you are able to deal with it through the original dealer and manufacturer, so it is only a term for new cars. The only way to make sure that you don’t get a used car that is a lemon is to get a mechanic to look at it and determine that it’s in good shape before you sign any papers.
California auto insurance law doesn’t protect you from sneaks and liars, so you have to practice the utmost responsibility on your own part. You should also consider that many used cars are simply run down pieces of junk, and not necessarily lemons. Lemon mostly applies to new cars with persistent problems which couldn’t or shouldn’t have been cause by the standard wear and tear.
However, if you do buy a used car that was called a lemon when it was new, then your dealer is supposed to tell you that it was a lemon. If the dealer does not do so, then you can get something out of it. However, you should check your CLUE report first and make sure that the car is really a lemon.
Cheers,
Fashun Guadarrama.
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