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Jose Alberto Fuentes Group

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Hunter Sanders
Hunter Sanders

Buying A Used Car That Has Been In An Accident

These details are why every car in every accident should be given a full damage inspection by a thorough mechanic. However, this doesn't always happen for used vehicles, and even if repairs were made, there isn't always a guarantee that the car will be back in full, fresh-off-the-assembly-line performance. On top of this, other parts that weren't necessarily severely damaged in the accident, have still gone through quite a bit of stress and may fail earlier than usual. Ultimately, damages to a vehicle can affect its overall value.

buying a used car that has been in an accident

Buying pre-owned cars that have been in an accident but are still running can help you to save lots of money, but it can also be risky. Make sure you consider these factors before deciding to buy a used car that's been in an accident:

There are advantages to buying a damaged car if the damage is minimal and the price is right. However, an accident history impacts vehicle value, and a used car in bad condition may not be an asset you want to acquire. Let BrokerLink be your resource for all things car insurance. From start to finish, our brokers handle the legwork to make sure you walk away satisfied.

A clean title is an average title that you would receive when purchasing a vehicle. A brand new vehicle has a clean title and so do most pre-owned vehicles that can be driven safely and are insurable. A salvage title refers to a vehicle that has been deemed a total loss by the insurer. The loss could be due to a multitude of reasons including an accident, but also theft, fire and floods.

It should not. By definition, a car with a clean title means that it has never experienced any sort of major accident. Be sure you are purchasing the car from a reputable source and do your due diligence by researching its history.

According to Carfax, 40% of vehicles on the road today have sustained some sort of damage, which means that around 110 million cars in the U.S. are on the road and have been in some kind of scuffle. Carfax added that at least 5% of those vehicles had an airbag deployment too, which is equivalent to more than 5 million cars.

The "Wisconsin Buyers Guide" does not require the dealership to mark whether the vehicle has ever been in an accident. In some cases, there would be no way a dealership could detect repaired damage based on the inspection and test drive. However, a dealership is required to tell you about any existing accident damage, or any repaired damage to the vehicle frame, strut tower, floor pan, or structural portion of the unibody. Again, the dealership is only obligated to disclose items it could reasonably detect during the test drive, vehicle inspection, and inspection of vehicle records at the dealership.

If you ask dealerships whether or not the car has been in an accident, they are not required to do additional research to find out and tell you. However, they should tell you if there are signs that the vehicle was in a bad accident or one that affects how it works now.

Any promises the dealership makes to you regarding your vehicle or purchase should be written on the Motor Vehicle Purchase Contract. If you are buying a vehicle with the understanding that something will be fixed for you before or after you pick up the car, get it in writing. Spoken promises are very hard to prove or enforce. (For more tips on being a wise car-buyer, see vehicle buyer's guide - "Wise Buys")

First you must choose between buying a new car and buying a used car. A new car may cost more but will come with a longer warranty and no history of abuse or neglect. However, new cars depreciate (lose value) almost immediately when they leave the new car lot, which means that if you can find a well-cared-for used car, it might be a good bargain.

Don't just assume you will finance through the dealer. Sometimes, you can get better financing from your bank or credit union. You should also check your credit score before you go shopping as this can affect the terms such as the interest rate you are offered. By shopping around, you may be able to negotiate a better deal. Note that Texas law sets maximum interest rates for financing used cars. The rates vary according to the age of the car and the amount owed on it.

Used Car Dealers Check with the Better Business Bureau to learn if it has received complaints against a particular dealer. Never rely solely upon oral promises of a salesman which will be difficult or impossible to enforce; ask the salesman to put it in writing. If you are considering buying a specific car, insist upon having the vehicle inspected by an independent mechanic before you buy it. Refusal to allow an independent inspection should be a clear warning, and you should consider taking your business elsewhere. Ask if the vehicle has ever been in an accident.

"Buyers Guide"Federal law requires dealers to affix a Buyer's Guide sticker on the window of each used car. The sticker will inform you as to whether the car comes with a warranty and, if so what specific protection the dealer will provide; whether the car is sold "as is" (with no warranties); that you should ask to have the car inspected by an independent mechanic before you buy; that you should get all promises in writing; and what some of the major problems are that may occur with any vehicle. If the deal was conducted in Spanish, you are entitled to retain a Spanish-language version of the Buyer's Guide.

Private Sales You may save money by buying a used car from a private individual, such as through the classified section of your local newspaper. However, you should be aware that private sellers do not have to provide you with a Buyer's Guide, and do not provide implied warranties under state law. Therefore, it may be even more important to obtain warranty promises in writing and to obtain an independent inspection prior to purchase.

When you buy a used vehicle, the dealer must certify, in writing, that it is "in condition and repair to render, under normal use, satisfactory and adequate service upon the public highway at the time of delivery." The dealer certification covers the entire vehicle except items that would be obvious to the customer before the sale, such as torn upholstery, missing hubcaps, etc. The vehicle also must have all safety equipment and emissions controls required by state and federal laws for the vehicle's model year.

A vehicle with this label has been repaired or constructed with a glider kit, but not one manufactured in two or more stages. A glider kit includes all components of a vehicle except the power train. It is generally used to rebuild heavy trucks or tractors that have been extensively damaged. Passenger cars built from custom kits are not considered reconstructed vehicles.

New York State's new and used car lemon laws provide legal remedies for consumers who buy or lease cars. If a car does not live up to the written warranty and cannot be repaired - or if it has not been repaired correctly after a reasonable number of attempts - the consumer could receive a refund or replacement car.

Each major manufacturer has its own standards when a used vehicle can be certified as a CPO. And if you look at those standards it appears it would be unlikely that car that was damaged to be certified or, at a minimum, if the vehicle was damaged an experienced franchised dealership would certainly be able to determine if the vehicle had been in a prior accident. Thus, the dealership would be obligated to make this disclosure when selling the vehicle. This has not been the regular experience in the industry. If you ask the dealer representative, salesman, whether or not the vehicle that is been certified by their dealership, a franchise dealership, can be certified I assure you that you will not get a clear answer. I would assume that the best answer you might receive would be no, a vehicle that is certified cannot have been in a prior accident.

Remember, who wants to pay extra money for a top end, exclusive, used vehicle when it has been in a prior accident? NO ONE. The entire concept is that the dealer has expertise and it has closely looked at the car to make sure it's better than other used cars.

There is a separate pricing guide and there is a higher premium for used cars that have been certified. It is accepted in the industry that a dealer has higher costs for used car that are certified. These higher costs are in the form of a specific warranty which the dealer has the purchase from the manufacturer and in some way role into to the purchase price. This brings up an entire separate category of claims against the dealer and the manufacturer however that would be left for separate time. Most people do not understand (nor explained to them) that the reason a certified preowned vehicle costs more is because there is a warranty which is purchased by the dealer from the manufacturer.

All of the franchise dealers have the CPO or certified preowned literature in their car dealerships and you should read very carefully and ask a lot of questions. In the questions should be can a certified vehicle have been in a prior accident? Can a certified vehicle have sustained prior body damage? Can a certified vehicle be returned for any reason? Can the warranty be refunded or canceled? If I have a claim is the claim against the dealer or the manufacturer? There are a host of claims which must be addressed based on the literature in the relationship between the parties.

The manufacturers do this by indicating that there were certain procedures and/or processes authorized and issued by the manufacturers and approved by the manufacturers to assure that these vehicles are of significant quality. Usually, the marketing program emphasizes both the benefits of the manufacturers backed warranty on used vehicles as well as the number of point inspections undertaken on the used vehicles. As an example, a manufacturer might say that you receive a warranty issued by the manufacturer for a certain amount of years based on the authorized dealership performing a 100 and so point inspection. As an example, the Nissan certified pre-owned program represents that there is a 156-point inspection which a used Nissan must go through in order to get certified. 041b061a72

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