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car, you'll need to do some homework. Spending time now may save you serious
money later. Think about your driving habits, your needs, and your budget. You
can learn about car models, options, and prices by reading newspaper ads, both
display and classified. There is a wealth of information about used cars on the
Internet: enter +ACY-quot+ADs-used car+ACY-quot+ADs- as the key words and you'll find additional
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information. Libraries and book stores also have publications that compare car
models, options, and costs, and offer information about frequency-of-repair
records, safety tests, and mileage. Many of these publications have details on
the do's and don'ts of buying a used car.+ADw-/font+AD4APA-/p+AD4-
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choices, research the frequency of repair and maintenance costs on the models in
auto-related consumer magazines. The U.S. Department of Transportation's Auto
Safety Hotline (800-424-9393) gives information on recalls.+ADw-/font+AD4APA-/p+AD4-
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or finance over time. If you finance, the total cost of the car increases.
That's because you're also paying for the cost of credit, which includes
interest and other loan costs. You'll also have to consider how much you can put
down, your monthly payment, the length of the loan, and the annual percentage
rate (APR). Keep in mind that annual percentage rates usually are higher and
loan periods generally are shorter on used cars than on new ones.+ADw-/font+AD4APA-/p+AD4-
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require a big down payment and a high APR. If you agree to financing that
carries a high APR, you may be taking a big risk. If you decide to sell the car
before the loan expires, the amount you receive from the sale may be far less
than the amount you need to pay off the loan. If the car is repossessed or
declared a total loss because of an accident, you may be obligated to pay a
considerable amount to repay the loan even after the proceeds from the sale of
the car or the insurance payment have been deducted. If your budget is tight,
you may want to consider paying cash for a less expensive car than you first had
in mind.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-If you decide to finance, make
sure you understand the following aspects of the loan agreement before you sign
any documents:+ADw-/font+AD4APA-/p+AD4-
+ADw-ul+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-the exact price you're paying
for the vehicle+ADw-/font+AD4APA-/p+AD4-
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+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-the finance charge (the dollar
amount the credit will cost you)+ADw-/font+AD4APA-/p+AD4-
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+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-the APR (a measure of the cost
of credit, expressed as a yearly rate)+ADw-/font+AD4APA-/p+AD4-
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+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-the number and amount of
payments+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-the total sales price (the sum
of the monthly payments plus the down payment) Used cars are sold through a
variety of outlets: franchise and independent dealers, rental car companies,
leasing companies, and used car superstores. You can even buy a used car on
the Internet. Ask friends, relatives and co-workers for recommendations. You
may want to call your local consumer protection agency, state Attorney
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unresolved complaints are on file about a particular dealer.+ADw-/font+AD4APA-/p+AD4-
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rentals. Buyers Guides do not have to be posted on motorcycles and most
recreational vehicles. Anyone who sells less than six cars a year doesn+AJI-t have
to post a Buyers Guide.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-The +ADw-a href+AD0AIg-http://www.pueblo.gsa.gov/cic+AF8-text/cars/usedcar/buyers.pdf+ACI- target+AD0AIgBf-blank+ACIAPg-Buyers
Guide +ADw-/a+AD4-must tell you:+ADw-/font+AD4APA-/p+AD4-
+ADw-ul+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-whether the vehicle is being
sold +ACY-quot+ADs-as is+ACY-quot+ADs- or with a warranty+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-what percentage of the repair
costs a dealer will pay under the warranty+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-that spoken promises are
difficult to enforce+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-to get all promises in writing+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-to keep the Buyers Guide for
reference after the sale+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-the major mechanical and
electrical systems on the car, including some of the major problems you
should look out for+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-to ask to have the car
inspected by an independent mechanic before you buy.+ADw-/font+AD4APA-/p+AD4-
+ADw-/li+AD4-
+ADw-/ul+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-When you buy a used car from a
dealer, get the original Buyers Guide that was posted in the vehicle, or a copy.
The Guide must reflect any negotiated changes in warranty coverage. It also
becomes part of your sales contract and overrides any contrary provisions. For
example, if the Buyers Guide says the car comes with a warranty and the contract
says the car is sold +ACY-quot+ADs-as is,+ACY-quot+ADs- the dealer must give you the warranty
described in the Guide. When the dealer offers a vehicle +ACY-quot+ADs-as is,+ACY-quot+ADs- the
box next to the +ACY-quot+ADs-As Is - No Warranty+ACY-quot+ADs- disclosure on the Buyers Guide
must be checked. If the box is checked but the dealer promises to repair the
vehicle or cancel the sale if you're not satisfied, make sure the promise is
written on the Buyers Guide. Otherwise, you may have a hard time getting the
dealer to make good on his word. Some states, including Connecticut, Kansas,
Maine, Maryland, Massachusetts, Minnesota, Mississippi, New Jersey, New York,
Rhode Island, Vermont, West Virginia and the District of Columbia, don't allow
+ACY-quot+ADs-as is+ACY-quot+ADs- sales for many used vehicles.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Three states+AJc-Louisiana, New
Hampshire, and Washington+AJc-require different disclosures than those on the
Buyers Guide. If the dealer fails to provide proper state disclosures, the sale
is not +ACY-quot+ADs-as is.+ACY-quot+ADs- To find out what disclosures are required for +ACY-quot+ADs-as
is+ACY-quot+ADs- sales in your state, contact your state Attorney General.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-State laws hold dealers
responsible if cars they sell don't meet reasonable quality standards. These
obligations are called implied warranties+AJc-unspoken, unwritten promises from
the seller to the buyer. However, dealers in most states can use the words
+ACY-quot+ADs-as is+ACY-quot+ADs- or +ACY-quot+ADs-with all faults+ACY-quot+ADs- in a written notice to buyers
to eliminate implied warranties. There is no specified time period for implied
warranties.+ADw-/font+AD4APA-/p+AD4-
+ADw-h3 align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Warranty of Merchantability+ADw-/font+AD4APA-/h3+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPgA8-i+AD4-The most common type of implied
warranty is the warranty of merchantability:+ADw-/i+AD4- The seller promises that the
product offered for sale will do what It+AJI-s supposed to. That a car will run is
an example of a warranty of merchantability. This promise applies to the basic
functions of a car. It does not cover everything that could go wrong.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Breakdowns and other problems
after the sale don't prove the seller breached the warranty of merchantability.
A breach occurs only if the buyer can prove that a defect existed at the time of
sale. A problem that occurs after the sale may be the result of a defect that
existed at the time of sale or not. As a result, a dealer's liability is judged
case-by-case.+ADw-/font+AD4APA-/p+AD4-
+ADw-h3 align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Warranty of Fitness for a
Particular Purpose+ADw-/font+AD4APA-/h3+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-A warranty of fitness for a
particular purpose applies when you buy a vehicle based on the dealer's advice
that it is suitable for a particular use. For example, a dealer who suggests you
buy a specific vehicle for hauling a trailer in effect is promising that the
vehicle will be suitable for that purpose.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-If you have a written warranty
that doesn+AJI-t cover your problems, you still may have coverage through implied
warranties. That's because when a dealer sells a vehicle with a written warranty
or service contract, implied warranties are included automatically. The dealer
can't delete this protection. Any limit on an implied warranty's time must be
included on the written warranty.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-In states that don't allow
+ACY-quot+ADs-as is+ACY-quot+ADs- sales, an +ACY-quot+ADs-Implied Warranties Only+ACY-quot+ADs- disclosure is
printed on the Buyers Guide in place of the +ACY-quot+ADs-As Is+ACY-quot+ADs- disclosure. The
box beside this disclosure will be checked if the dealer decides to sell the car
with no written warranty.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-In states that do allow +ACY-quot+ADs-as
is+ACY-quot+ADs- sales, the +ACY-quot+ADs-Implied Warranties Only+ACY-quot+ADs- disclosure should appear
on the Buyers Guide if the dealer decides to sell a vehicle with implied
warranties and no written warranty. A copy of the Buyers Guide with the
+ACY-quot+ADs-Implied Warranties Only+ACY-quot+ADs- disclosure is available here.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Dealers who offer a written
warranty must complete the warranty section of the Buyers Guide. Because terms
and conditions vary, it may be useful to compare and negotiate coverage.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Dealers may offer a full or
limited warranty on all or some of a vehicle's systems or components. Most used
car warranties are limited and their coverage varies. A full warranty includes
the following terms and conditions:+ADw-/font+AD4APA-/p+AD4-
+ADw-ul+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Anyone who owns the vehicle
during the warranty period is entitled to warranty service.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Warranty service will be
provided free of charge, including such costs as removing and reinstalling a
covered system.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-You have the choice of a
replacement or a full refund if, after a reasonable number of tries, the
dealer cannot repair the vehicle or a covered system.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-You only have to tell the
dealer that warranty service is needed in order to get it, unless the dealer
can prove that it is reasonable to require you to do more.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Implied warranties have no
time limits.+ADw-/font+AD4APA-/p+AD4-
+ADw-/li+AD4-
+ADw-/ul+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-If any of these statements
doesn+AJI-t apply, the warranty is limited.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-A full or limited warranty
doesn+AJI-t have to cover the entire vehicle. The dealer may specify that only
certain systems are covered. Some parts or systems may be covered by a full
warranty+ADs- others by a limited warranty.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-The dealer must check the
appropriate box on the Buyers Guide to indicate whether the warranty is full or
limited and the dealer must include the following information in the
+ACY-quot+ADs-Warranty+ACY-quot+ADs- section:+ADw-/font+AD4APA-/p+AD4-
+ADw-ul+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-the percentage of the repair
cost that the dealer will pay. For example, +ACY-quot+ADs-the dealer will pay 100
percent of the labor and 100 percent of the parts . . .+ACY-quot+ADsAOwA8-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-the specific parts and
systems+AJc-such as the frame, body, or brake system+AJc-that are covered by the
warranty. The back of the Buyers Guide lists the major systems where
problems may occur+ADsAPA-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-the warranty term for each
covered system. For example, +ACY-quot+ADs-30 days or 1,000 miles, whichever comes
first+ACY-quot+ADsAOw- and+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-whether there's a deductible
and, if so, how much.+ADw-/font+AD4APA-/p+AD4-
+ADw-/li+AD4-
+ADw-/ul+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-You have the right to see a copy
of the dealer's warranty before you buy. Review it carefully to determine what
is covered. The warranty gives detailed information, such as how to get repairs
for a covered system or part. It also tells who is legally responsible for
fulfilling the terms of the warranty. If It+AJI-s a third party, investigate their
reputation and whether they're insured. Find out the name of the insurer, and
call to verify the information. Then check out the third-party company with your
local Better Business Bureau. That's not foolproof, but it is prudent. Make sure
you receive a copy of the dealer's warranty document if you buy a car that is
offered with a warranty.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-If the manufacturer's warranty
still is in effect, the dealer may include it in the +ACY-quot+ADs-systems
covered/duration+ACY-quot+ADs- section of the Buyers Guide. To make sure you can take
advantage of the coverage, ask the dealer for the car's warranty documents.
Verify the information (what's covered, expiration date/miles, necessary
paperwork) by calling the manufacturer's zone office. Make sure you have the
Vehicle Identification Number (VIN) when you call.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Like a warranty, a service
contract provides repair and/or maintenance for a specific period. But
warranties are included in the price of a product, while service contracts cost
extra and are sold separately. To decide if you need a service contract,
consider whether:+ADw-/font+AD4APA-/p+AD4-
+ADw-ul+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-the service contract
duplicates warranty coverage or offers protection that begins after the
warranty runs out. Does the service contract extend beyond the time you
expect to own the car? If so, is the service contract transferable or is a
shorter contract available?+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-the vehicle is likely to need
repairs and their potential costs. You can determine the value of a service
contract by figuring whether the cost of repairs is likely to exceed the
price of the contract.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-the service contract covers
all parts and systems. Check out all claims carefully. For example,
+ACY-quot+ADs-bumper to bumper+ACY-quot+ADs- coverage may not mean what you think.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-a deductible is required and,
if so, the amount and terms.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-the contract covers incidental
expenses, such as towing and rental car charges while your car is being
serviced.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-repairs and routine
maintenance, such as oil changes, have to be done at the dealer.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-there's a cancellation and
refund policy for the service contract and, whether there are cancellation
fees.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-the dealer or company offering
the service contract is reputable. Read the contract carefully to determine
who is legally responsible for fulfilling the terms of the contract. Some
dealers sell third-party service contracts.+ADw-/font+AD4APA-/p+AD4-
+ADw-/li+AD4-
+ADw-/ul+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-The dealer must check the
appropriate box on the Buyers Guide if a service contract is offered, except in
states where service contracts are regulated by insurance laws. If the Guide
doesn+AJI-t include a service contract reference and you're interested in buying
one, ask the salesperson for more information.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-If you buy a service contract from
the dealer within 90 days of buying a used vehicle, federal law prohibits the
dealer from eliminating implied warranties on the systems covered in the
contract. For example, if you buy a car +ACY-quot+ADs-as is,+ACY-quot+ADs- the car normally is
not covered by implied warranties. But if you buy a service contract covering
the engine, you automatically get implied warranties on the engine. These may
give you protection beyond the scope of the service contract. Make sure you get
written confirmation that your service contract is in effect.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-The Buyers Guide cautions you not
to rely on spoken promises. They are difficult to enforce because there may not
be any way for a court to determine with any confidence what was said. Get all
promises written into the Guide.+ADw-/font+AD4APA-/p+AD4-
+ADw-h3 align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Pre-Purchase Independent
Inspection+ADw-/font+AD4APA-/h3+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-It's best to have any used car
inspected by an independent mechanic before you buy it. For about +ACQ-100 or less,
you'll get a general indication of the mechanical condition of the vehicle. An
inspection is a good idea even if the car has been +ACY-quot+ADs-certified+ACY-quot+ADs- and
inspected by the dealer and is being sold with a warranty or service contract. A
mechanical inspection is different from a safety inspection. Safety inspections
usually focus on conditions that make a car unsafe to drive. They are not
designed to determine the overall reliability or mechanical condition of a
vehicle.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-To find a pre-purchase inspection
facility, check your Yellow Pages under +ACY-quot+ADs-Automotive Diagnostic
Service+ACY-quot+ADs- or ask friends, relatives and co-workers for referrals. Look for
facilities that display certifications like an Automotive Service Excellence
(ASE) seal. Certification indicates that some or all of the technicians meet
basic standards of knowledge and competence in specific technical areas. Make
sure the certifications are current, but remember that certification alone is no
guarantee of good or honest work. Also ask to see current licenses if state or
local law requires such facilities to be licensed or registered. Check with your
state Attorney General's office or local consumer protection agency to find out
whether there's a record of complaints about particular facilities.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-There are no standard operating
procedures for pre-purchase inspections. Ask what the inspection includes, how
long it takes, and the price. Get this information in writing.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-If the dealer won't let you take
the car off the lot, perhaps because of insurance restrictions, you may be able
to find a mobile inspection service that will go to the dealer. If that's not an
option, ask the dealer to have the car inspected at a facility you designate.
You will have to pay the inspection fee.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Once the vehicle has been
inspected, ask the mechanic for a written report with a cost estimate for all
necessary repairs. Be sure the report includes the vehicle's make, model and VIN.
Make sure you understand every item. If you decide to make a purchase offer to
the dealer after considering the inspection's results, you can use the estimated
repair costs to negotiate the price of the vehicle.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-The Buyers Guide lists an auto's
14 major systems and some serious problems that may occur in each. This list may
help you and your mechanic evaluate the mechanical condition of the vehicle. The
list also may help you compare warranties offered on different cars or by
different dealers.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-The back of the Buyers Guide lists
the name and address of the dealership. It also gives the name and telephone
number of the person you should contact at the dealership if you have problems
or complaints after the sale.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-The dealer may include a buyer's
signature line at the bottom of the Buyers Guide. If the line is included, the
following statement must be written or printed close to it: +ACY-quot+ADs-I hereby
acknowledge receipt of the Buyers Guide at the closing of this sale.+ACY-quot+ADs- Your
signature means you received the Buyers Guide at closing. It does not mean that
the dealer complied with the Rule's other requirements, such as posting a Buyers
Guide in all the vehicles offered for sale.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-If you buy a used car and the
sales discussion is conducted in Spanish, you are entitled to see and keep a
Spanish-language version of the Buyers Guide.+ADw-/font+AD4APA-/p+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-An alternative to buying from a
dealer is buying from an individual. You may see ads in newspapers, on bulletin
boards, or on a car. Buying a car from a private party is very different from
buying a car from a dealer.+ADw-/font+AD4APA-/p+AD4-
+ADw-ul+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Private sellers generally are
not covered by the Used Car Rule and don't have to use the Buyers Guide.
However, you can use the Guide's list of an auto's major systems as a
shopping tool. You also can ask the seller if you can have the vehicle
inspected by your mechanic.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Private sales usually are not
covered by the +ACY-quot+ADs-implied warranties+ACY-quot+ADs- of state law. That means a
private sale probably will be on an +ACY-quot+ADs-as is+ACY-quot+ADs- basis, unless your
purchase agreement with the seller specifically states otherwise. If you
have a written contract, the seller must live up to the promises stated in
the contract. The car also may be covered by a manufacturer's warranty or a
separately purchased service contract. However, warranties and service
contracts may not be transferable, and other limits or costs may apply.
Before you buy the car, ask to review its warranty or service contract.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Many states do not require
individuals to ensure that their vehicles will pass state inspection or
carry a minimum warranty before they offer them for sale. Ask your state
Attorney General's office or local consumer protection agency about the
requirements in your state.+ADw-/font+AD4APA-/p+AD4-
+ADw-/li+AD4-
+ADw-/ul+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Whether you buy a used car from a
dealer, a co-worker, or a neighbor, follow these tips to learn as much as you
can about the car:+ADw-/font+AD4APA-/p+AD4-
+ADw-ul+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Examine the car yourself using
an inspection checklist. You can find a checklist in many of the magazine
articles, books and Internet sites that deal with buying a used car.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Test drive the car under
varied road conditions+AJc-on hills, highways, and in stop-and-go traffic.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Ask for the car's maintenance
record. If the owner doesn+AJI-t have copies, contact the dealership or repair
shop where most of the work was done. They may share their files with you.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Talk to the previous owner,
especially if the present owner is unfamiliar with the car's history.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Have the car inspected by a
mechanic you hire.+ADw-/font+AD4APA-/p+AD4-
+ADw-/li+AD4-
+ADw-/ul+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-If you have a problem that you
think is covered by a warranty or service contract, follow the instructions to
get service. If a dispute arises, there are several steps you can take:+ADw-/font+AD4APA-/p+AD4-
+ADw-ul+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Try to work it out with the
dealer. Talk with the salesperson or, if necessary, the owner of the
dealership. Many problems can be resolved at this level. However, if you
believe you're entitled to service, but the dealer disagrees, you can take
other steps.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-If your warranty is backed by
a car manufacturer, contact the local representative of the manufacturer.
The local or zone representative is authorized to adjust and decide about
warranty service and repairs to satisfy customers. Some manufacturers also
are willing to repair certain problems in specific models for free, even if
the manufacturer's warranty does not cover the problem. Ask the
manufacturer's zone representative or the service department of a franchised
dealership that sells your car model whether there is such a policy.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-Contact your local Better
Business Bureau, state Attorney General, or the Department of Motor
Vehicles. You also might consider using a dispute resolution organization to
arbitrate your disagreement if you and the dealer are willing. Under the
terms of many warranties, this may be a required first step before you can
sue the dealer or manufacturer. Check your warranty to see if this is the
case. If you bought your car from a franchised dealer, you may be able to
seek mediation through the Automotive Consumer Action Program (AUTOCAP), a
dispute resolution program coordinated nationally by the National Automobile
Dealers Association and sponsored through state and local dealer
associations in many cities. Check with the dealer association in your area
to see if they operate a mediation program.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-If none of these steps is
successful, small claims court is an option. Here, you can resolve disputes
involving small amounts of money, often without an attorney. The clerk of
your local small claims court can tell you how to file a suit and what the
dollar limit is in your state.+ADw-/font+AD4APA-/p+AD4-
+ADw-li+AD4-
+ADw-p align+AD0AIg-left+ACIAPgA8-font face+AD0AIg-Verdana+ACI- size+AD0AIg-2+ACIAPg-The Magnuson-Moss Warranty Act
also may be helpful. Under this federal law, you can sue based on breach of
express warranties, implied warranties, or a service contract. If
successful, consumers can recover reasonable attorneys+AJI- fees and other
court costs. A lawyer can advise you if this law applies.+ADw-/font+AD4APA-/p+AD4-
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