so i had a 96 toyota rav 4 before my 05 black cherry.....i didnt not have collision on my rav, just comp....thank god i hit 2 deer with it....so i called my insurance company today to add an after market alarm to get a discount and what do they tell my i dont have collision on my car...which as you all know is mandatory when you finance a car......the dealership never added it when they called my insurance company...plus if i got in an accident i would have been screwed.....and they did fax over my window sticker or the bill of sale.....to say the least i was ____ed and the dealer was closed the day after the 4th so i was more ____ed....so you may think you dealer was reliable i did to but check to save your own ___

 

The only people that can change your insurance is yourself. Most insurance will not let any individual to add or subtract coverage without speaking to the person who holds the policy.

 

Better make that ANY insurance company worth anything wouldnt change a policy with out talking to the policy holder. Who is your insurance provider?

 

i called my insurance company ahead of time before the car came in to tell them that i was getting a new one....this was all that i was instructed to do by the dealership....also looking over the forms yesterday they all said that there would be collison added on to my car....its mandatory when you finace a car......when i went back to the dealership to tell them they said that it was not something that happened often and they were shocked.....

 

Geico is my insurance company....i guess i would have expected them to call, they called my parents house but i wasnt there so i dont know if that was it....something should have been done.....and not left alone.....i would have had no clue if i didnt call them

 

I have bought quite a few cars over the years including the 05 xB last week. I had to sign the loan papers stating that I would have full coverage on the vehicle. All the dealer asks for is proof of insurance. Personally I want full coverage anyway to cover me if something did happen.

 

You're lucky you checked. In my state the lender can charge you for mandantory collison and comp at OUTRAEGEOUS rates (hundreds extra on your car payment a month). The lender could care less if you have liability. As said before, only you can change your coverage.