I can I get my money back from a delay ship?
So I just left a 5k down payment on ford but I couldn't take the car home because I don't have insurance but when I went to get my insurence they told me the price and it was way to high so I was wide ring if someone knew if I could et my down payment back since I can't afford insurence and the thing was that I sing up the paper work
http://www.carsdirect.com/auto-loans/can-you-cancel-a-car-loan
I thought there was a 3 day rule that you can cancel, but found out that it does not apply to car loans.
Go back to the dealership and explain your problem. Also, who is listed on the contract as the lender? Go and talk to them also. Since you never took possession, maybe in your favor.
Like this site says, they maybe willing to keep the car and try to sell it again to another buyer. Then, depending on the amount they sell it for, might refund any difference, that they don't get the same amount.
If not, then you have a real problem. Most likely at some point you will either not have enough to pay both insurance and the loan, and then the dealer or lender will repo this vehicle, thus adding more fees you will owe.
Almost everyday, someone will post they buy a car, only to find out the insurance is usually more than the car payment. It's too bad you did not check that out before putting your money down and signing the contract.
Or, best advice would be to make an appointment (in person) with a lawyer, bring your contract with you and see if you can get out of this.
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