In OPs case, he is still registered owner, as per his state vehicle registration and gm lease still in effect as they have advised him to keep making payments. There is nothing wrong with him getting insurance from a different carrier.
Yeah different carrier won’t know anyways, switch insurance and be “safe”
First, not a lawyer, but the vehicle is reported as sold but does GM financial show that they sold the car? You and GM have a contract. If it never happened with GM financial it didn’t get sold. They have the appropriate paper trail and that is what matters.
Drive the car, keep paying it and enjoy it.
Two, if there is a concern about ownership, you would have never been issued a title to sell the vehicle but if the vehicle gets repoed or anything else or a question of valid title comes up, it could very well constitute a theft and you could try claiming it under insurance.
Best of luck and keep us posted, but I would let GM sort this out since it isn’t your car, it is theirs.
This is what I was talking about - calling new insurance trying to insure a stranger’s car while being aware that it is “sold” in fraud.
How’s that if the VIN was “sold” to someone in FL? Insurance insures a VIN, no? OP said it’s all over the carfax.
Facebook lawyer here. The car is registered under your name, in your state. Your contract/lease agreement is with GM Financial.
Whatever happened with the FL dealer and fake dealer isn’t your problem. They can’t register the car without the title and lien release from GM Financial.
FL dealer should’ve done their due diligence and did a lien check on the car.
GM Financial requires you to have insurance on the vehicle. When they find out your insurance is cancelled, they will buy insurance for you and bill you.
People love to say it’s time to lawyer up but they don’t think about the $500 to $750 an hour bill. I have friends with boats purchased on $600 billable hours. It’s why I recommend just locking the car in a garage above.
Also, I’m just a non practicing lawyer but I do not even know where a generalist lawyer would start working this case. I guess the lawyer could spend a bunch of the time on the phone with GM, but really GM has to figure this out on their end. The problem is everyone assumes malice when most of what you are going to deal with is incompetence. There is a whole bunch of crap GM has to do and maybe a lawyer helps and maybe they don’t but either way it’s going to cost you several thousand dollars
If GM doesn’t get this resolved quickly and this was me I would start by calling the Attorney General’s office in Hartford. Doesn’t cost you anything and who knows, maybe they help.
Just imagining getting a random walk in with this issue. You need to start calling attorneys and pick the one that seems most interested in helping you. Not someone who immediately tries to get you to sign a representation agreement, but someone who genuinely is interested and asks you questions about wtf is going on.
They can and do with forged docs all the time. Docs so good that DMVs don’t catch the VIN scam/clone forgeries before it is too late. Scammers will usually present out of state docs that the “registering” DMV won’t immediately recognize as a forgery as opposed to their own state docs.
Yea and I currently have no idea who the vehicle is, technically registered to. It still shows registered to me in the state of Connecticut, but I have no way of seeing if it’s registered in another state as well. The part that I get hung up on is, with the least vehicle, it’s not technically my car. It’s their car that I’m making payments on for the period of time that I use it. So while I have a contract with them for that, if something happens on their end where that vehicle is fraudulently sold to somebody else, then my assumption would be that has to be a direct violation of the contract.
That would show on carfax, I’d think.
Possible that someone may have fat-fingered a vin while doing a lease buyout and the account was incorrectly paid off? I can’t see of another way that something like this can happen.
My thoughts exactly - long shot but a definite maybe nonetheless. Case in point: I just dealt with Delta Dental denying the claim when the coverage was supposed to be valid. They admitted that it was a processing error on their end, no biggie. I asked them to verify my DOB and my social and it turned out that they had both input incorrectly. No shit I couldn’t get past their AI verification process. Scorecard: 1 wrong EOB, 2 basic input errors, at least 1 hour of my time trying to fix other people’s oopses.
Otherwise, if it is in fact a fraudulent sale, contact FBI as it involves interstate activity and possibly wire fraud.
Finally, see if you can track down GM’s Counsel General or someone from their office to get them to do your heavy lifting.
Was any Hummer delivered to the dealership in Florida? If not, sounds less likely to be accidental payoff and definitely a scam
As someone who has been on their HOA Board and is now watching w/ horror as the new attorney of an LLC of which they are a member openly mangles an interpretation of fairly unambiguous state law while the members turn a blind eye, I agree…
Yeah insurance based on VIN, not “he said, she said”
If he has registration and GMF backing him, he is fine.
I bet someone just took his VIN off swapalease off a stolen hummer and VIN swapped!
Montana let’s you wash all that LOL
I am sure this goes without saying, but I would not give the Florida dealer one piece of info about you or the car. I would certainly contact the police to at least start a record of things.
I think it’s still possible.
I heard parents helping their kids with insurance payments on their kids car.
Doesn’t sound like anything, honestly…
As others mentioned, a good example would be when borrowing a car to a friend for a couple months. Even insuring a lease or a rental would be a similar scenario (insuring a car that doesn’t belong to you).