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Old 03-12-2013, 05:08 PM  
Bob Dole Bob Dole is offline
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Need some advice

Not really sure what to do or what the appropriate timing is, so Bob Dole is going to throw this out there and see what happens.

Bob Dole sold his 2005 VTX 1300R last July to a friend of a friend for $4000 and financed the sale himself. Contract and payment schedule in place. Insurance required with Bob Dole named as lien holder, but never verified. You can probably see where this is headed...

Final payment is due on March 22. Unfortunately, Bob Dole learned yesterday morning that the buyer crashed it near Hot Springs, AR last Saturday, and is currently in a coma in a Little Rock hospital and is classified at present as quadriplegic. This is all coming to Bob Dole thirdhand or via Facebook.

Bob Dole has no idea about the condition of the bike or its location, and is not sure whether that info is even on the radar of any of his family (ex-wife and adult children). Bob Dole does not know any of those people.

So what is the acceptable protocol here? At what point is it appropriate for a lien holder to ask about the property that is still technically his and titled in his name? (Yeah, yeah...probably should have processed title and named Bob Dole as lien holder. Shoulda, coulda, woulda) If it is in an impound in Hot Springs, should Bob Dole take the title and go retrieve the damned thing and pay whatever storage charges have accrued now? Is the lien/title holder liable for those accrued charges if the buyer doesn't make it, the company sells it, and the selling price doesn't cover the accrued charges? WTF to do?
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Old 03-12-2013, 05:29 PM   #16
3rd&48ers 3rd&48ers is offline
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Quote:
Originally Posted by Bob Dole View Post
Per contract, he was to have full coverage with Bob Dole listed as the lien holder. Bob Dole did not bother to verify that, however.
If you get the bike and they file a claim then the insurance company is going to want their bike even if it's junk
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Old 03-12-2013, 05:34 PM   #17
mlyonsd mlyonsd is offline
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I'd probably hope he did the right thing and put you on as a lien-holder. If you are you'll get your money from the insurance company.

If not I'd probably just eat the $600 and chalk it up to a lesson earned.
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Old 03-12-2013, 05:50 PM   #18
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Quote:
Originally Posted by Bob Dole View Post
Bob Dole isn't talking repo. Bob Dole is concerned that nobody with the ability to do anything about it is thinking about the bike or the accruing charges. Bob Dole is off work for Spring Break, and it would not be a big deal to hitch up the trailer and go get the thing out of prison and stop the charges. He or his family can pay the $600 and have it back. That isn't an issue.
this is exactly what I would do.
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Old 03-12-2013, 05:51 PM   #19
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Originally Posted by R8ers View Post
If you get the bike and they file a claim then the insurance company is going to want their bike even if it's junk
Maybe, maybe not.
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Old 03-12-2013, 06:08 PM   #20
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Quote:
Originally Posted by Bob Dole View Post
Bob Dole isn't talking repo. Bob Dole is concerned that nobody with the ability to do anything about it is thinking about the bike or the accruing charges. Bob Dole is off work for Spring Break, and it would not be a big deal to hitch up the trailer and go get the thing out of prison and stop the charges. He or his family can pay the $600 and have it back. That isn't an issue.
So what is the issue? Is Bob Dole just concerned that Bob Dole is going to get stuck with the storage charges?
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Old 03-12-2013, 07:06 PM   #21
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can the esteemed senator from the state of Kansas not call the impound lot and inquire as to the general status and condition of the bike? i would think you could fax them a title copy to verify ownership to grease the tongues.
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Old 03-12-2013, 07:53 PM   #22
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Quote:
Originally Posted by mikeyis4dcats. View Post
can the esteemed senator from the state of Kansas not call the impound lot and inquire as to the general status and condition of the bike? i would think you could fax them a title copy to verify ownership to grease the tongues.
I think the impound lot is merely hypothetical at this point, and Bob Dole is asking for advice in breaching the subject of the bike's actual wherabouts with the guy's friends and family without coming off as an asshole only concerned about the well being of his bike.
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Old 03-12-2013, 08:08 PM   #23
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I would contact the authorities who had jurisdiction over the accident. They'll tell you exactly what to do and they'll probably even grease some wheels for you. I'm sure this isn't the first time that has happened and somebody wanted to protect their investment without seeming insensitive to the family.
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Old 03-12-2013, 08:12 PM   #24
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I would contact the authorities who had jurisdiction over the accident. They'll tell you exactly what to do and they'll probably even grease some wheels for you. I'm sure this isn't the first time that has happened and somebody wanted to protect their investment without seeming insensitive to the family.
Good advice
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Old 03-12-2013, 08:46 PM   #25
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I guess my immediate thought is to step back and evaluate the situation.


If this were still technically Bobdole's bike, and bobdole had it insured under his name....would bobdole have any potential liability? With that severe injury, people will be looking for people to pay for things for a long, long time.

It kind of makes me wonder if Bobdole should sit back in the weeds and see how this plays out and consider $600 a good investment in not getting involved in further turmoil.

I'm not a lawyer, it's just something to consider.

As to payment....I'd be tempted to leave it alone for a while. The family has enough concern. If it were mine and I were concerned about the property, I'd probably contact the sheriff's office in the county of the accident. They should know where it was towed after the accident.
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Old 03-12-2013, 09:41 PM   #26
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Quote:
Originally Posted by Iowanian View Post
I guess my immediate thought is to step back and evaluate the situation.


If this were still technically Bobdole's bike, and bobdole had it insured under his name....would bobdole have any potential liability? With that severe injury, people will be looking for people to pay for things for a long, long time.

It kind of makes me wonder if Bobdole should sit back in the weeds and see how this plays out and consider $600 a good investment in not getting involved in further turmoil.

I'm not a lawyer, it's just something to consider.

As to payment....I'd be tempted to leave it alone for a while. The family has enough concern. If it were mine and I were concerned about the property, I'd probably contact the sheriff's office in the county of the accident. .

That's zackly what I was thinking. I'd be scared to death of having my name attached to it. People really turn sideways when someone's life is lost or permanently altered in my experience anyways.

Question is what do you know about the title as fact? Was it ever even edited? It very well could be entirely still in your name?
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Old 03-12-2013, 10:11 PM   #27
Bob Dole Bob Dole is offline
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The $600 isn't an issue at all. Bob Dole just wants to make sure that $600 doesn't turn in to $3600 because Bob Dole the person who still holds title did not act.

While the buyer is not a "close friend", he is more than "someone Bob Dole met once", so Bob Dole is concerned about long term effects of his action(s).

Bob Dole will likely try to locate the vehicle tomorrow and retrieve it. Seems to be the safest course of action at this point for all parties.
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Old 03-12-2013, 11:18 PM   #28
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Quote:
Originally Posted by Bob Dole View Post
The $600 isn't an issue at all. Bob Dole just wants to make sure that $600 doesn't turn in to $3600 because Bob Dole the person who still holds title did not act.
It won't. Those tow companies don't actually expect the $40 a day unless they're getting it from the insurance company. If they're dealing with an individual and the scrap value of the vehicle won't cover the entire tow/storage bill then they generally just settle at that number.
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Old 03-14-2013, 12:08 PM   #29
Bob Dole Bob Dole is offline
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Just got a call that they are planning to take the buyer off life support tomorrow. Still no mention of the bike or how exactly the accident happened. Ugh.
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Old 03-14-2013, 12:16 PM   #30
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Sorry to hear. I'd go get the bike, or whats left of it and sell off any parts that are usable and be thankful it wasn't you.
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