Wrongful Vehicle Repossession Case

Summary

If your vehicle was repossessed after canceling an insurance claim, you may have a case for wrongful repossession or breach of contract. Review your loan agreement for repossession conditions and check state laws regarding repossession and insurance claims. Document all communications with the dealership and insurance company. Consider consulting a local attorney or reaching out to consumer protection agencies for guidance.

Full Conversation

I want to know if there is a case here that I should pursue, are you ready for the story?
Absolutely, Tyler! Please share the details of your story so I can provide you with some guidance.
I purchased a vehicle from a buy here pay here dealership, 2 years making payments I made about $13k worth of payments with 8k ish left. Well I made an insurance claim for hail damage, the vehicle was still perfectly running and driving and no glass damage, the insurance contacts the Lien holder and I was told that I was unable to repair the truck or they wouldn’t do a partial check and the truck gets kept so the insurance check minus my deductible was gonna cover the rest of the 8k loan and only leave me with a couple hundred with no vehicle. I told them I will cancel the claim and they then, came and repossessed the vehicle because I said that, is there a lawsuit there?
Tyler, you might have grounds for a lawsuit based on wrongful repossession or breach of contract. Key points to consider:
*. Review your loan agreement for repossession conditions.
*. Check state laws regarding repossession and insurance claims.
*. Document all communications with the dealership and insurance company.
Have you already consulted any local attorney about this issue?
I haven’t yet
Tyler, you might have a strong case for wrongful repossession or breach of contract.
Key points to consider:
- Review your loan agreement for specific repossession conditions.
- Check state laws regarding repossession and insurance claims.
- Document all communications with the dealership and insurance company.
Have you tried reaching out to any consumer protection agencies or local legal aid services for assistance?