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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 03-14-2013, 12:17 PM   #31
notorious notorious is offline
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Quote:
Originally Posted by Phobia View Post
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.
This.

Local PD will get you going in the right direction.
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Old 03-14-2013, 12:21 PM   #32
Fire Me Boy! Fire Me Boy! is offline
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Originally Posted by R8ers View Post
Did he have collision on it? If he did, it may belong to the insurance company
Can you actually insure something you don't have a fiduciary interest in (since you never filed the title, it's still yours)?
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Old 03-14-2013, 12:41 PM   #33
Nickel D Nickel D is offline
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This involves a 12-step process...

Step 1: Acknowledge that you're @%#*ed.

I've forgotten what Steps 2-12 are.
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Old 03-14-2013, 12:51 PM   #34
stevieray stevieray is offline
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another one? damn!

riding a bike in that part of country is dangerous as hell.
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Old 03-14-2013, 01:05 PM   #35
gblowfish gblowfish is offline
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I had some dealings with the Hot Springs Police Dept about a year ago and found them to be very helpful.

The bike thing is tricky, because his family probably sees "the bike" and what it represents as kind of the cause of this horrible accident. But its a vehicle, and payment is owed on it. Don't think if it were property of the insurance company that they would show any humanity. Those people are heartless in all cases. If the guy didn't have insurance -on the bike or on health insurance for his injuries, he's probably in a world of shit right now.
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Old 03-14-2013, 01:22 PM   #36
Iowanian Iowanian is offline
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Tough situation.

I understand your angle. If the bike is sitting in a tow yard it's racking up a fee every day it sits there, so getting the bike out of hock isn't a terrible idea.

Once you have it, you can figure out what the right thing to do is, be that settle with insurance and pay over what you are owed to his estate or whatever.

Good luck. Shitty situation all around.
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Old 03-14-2013, 05:34 PM   #37
Bob Dole Bob Dole is offline
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Quote:
Originally Posted by Fire Me Boy! View Post
Can you actually insure something you don't have a fiduciary interest in (since you never filed the title, it's still yours)?
Per the contract, he was to carry full coverage insurance and show me as the lien holder. Never verified.
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Old 03-14-2013, 05:44 PM   #38
Fire Me Boy! Fire Me Boy! is offline
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Quote:
Originally Posted by Bob Dole View Post
Per the contract, he was to carry full coverage insurance and show me as the lien holder. Never verified.
I understand that's what your contract says. But from an insurance point of view (they're only looking out for themselves), I'm not sure since you are technically still the title holder that he has an insurable interest in the vehicle.
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Old 03-14-2013, 06:02 PM   #39
manchambo manchambo is offline
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Originally Posted by Bob Dole View Post
Bob Dole and that friend just went and put padlocks on his trailer to keep the idiot meth head woman he was letting stay there from pawning all his stuff. (She has already done this to another acquaintance who turned himself in for failure to appear and got a week in the pokey.)

He knows no more than Bob Dole at the moment.
This meth head sounds promising. I would try to work it off with her in several depraved sex acts.
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Old 03-14-2013, 06:10 PM   #40
GloryDayz GloryDayz is online now
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What would GMAC do??? Get the money, or use a hack company to bug him on the phone (while he's in a coma - they will!!)...

You're "the man" now doode, you're going to be accused of it the rest of your life, so "be the man" and get your money...
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Old 03-14-2013, 06:29 PM   #41
Bob Dole Bob Dole is offline
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Quote:
Originally Posted by Fire Me Boy! View Post
I understand that's what your contract says. But from an insurance point of view (they're only looking out for themselves), I'm not sure since you are technically still the title holder that he has an insurable interest in the vehicle.
Not all that concerned about the insurance paying anything, to be honest.
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Old 03-14-2013, 06:47 PM   #42
Fire Me Boy! Fire Me Boy! is offline
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Quote:
Originally Posted by Bob Dole View Post
Not all that concerned about the insurance paying anything, to be honest.
Probably not a huge deal for you, but if he doesn't have an insurable interest, they won't pay for the medical either.
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Old 03-14-2013, 06:57 PM   #43
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Originally Posted by Fire Me Boy! View Post
Probably not a huge deal for you, but if he doesn't have an insurable interest, they won't pay for the medical either.
They dont pay shit for medical anyway. Like 4500 dollars.
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Old 03-14-2013, 08:18 PM   #44
crispystl420 crispystl420 is offline
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I would also just chalk it up and realize it could have been you.
This....and I can't believe I'm quoting a raiders fan
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Old 03-14-2013, 08:30 PM   #45
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Originally Posted by Bob Dole View Post
Not all that concerned about the insurance paying anything, to be honest.
I think Bob Dole should do the right thing and reach out to the family, sooner rather than later. Take the approach that hey I don't want the bike to sit there and rack up charges on the family. You can help get it out since you are the title holder. Whether you take possession after that is a moot point, although you might be better off just walking away from it. In my mind, I think Bob Dole already knows that this is the right thing to do.
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