DEMAND THE CARFAX!!!!! Read hear and see why
Pardon the long post, but I have learned a lesson in life that scared me to death.Since we all buy motorcycles\cars\trucks, I thought I would share what was almost a $17,000 disaster!
After a weekend with friends in the Smokies, my wife and I borrowed their Benz convertible for a few days. That is when the wife quickly decided it may be time to quit riding on the back of the bike and buy her OWN DARN BIKE----with 4 wheels. (see picture below) Me being the mechanical\car\bike\lawnmower\weed eater\etc member of the family I set out looking for something we could trade even for her CRV. I found a NADA match very close on a 2009 Madza MX5 with 13,000 miles. I had a new top and a few minor issues that were not deal breakers. We agreed on an even swap and I asked to see the Carfax and he showed me the AutoCheck--he says it is the same thing. I owed $3000 on the CRV and paid it off with a non secured loan shark rate of 10.75% with the intention of borrowing against the MX5 and pay that back and pay off the Cross Roads at the same time. This would move everything over to a 4.5% rate.
Title comes back and we take it to the credit union and we show them the Auto Check--they say thanks but they will run their own Carfax. Carfax says it was declared a total loss from a non collision event (flood, fire, stolen,???) in December of 2011 and they will not loan a penny on it. The title is NOT branded as salvage. Read the Carfax report and at the bottom it states that NOT ALL things they declare total loss will agree with what the state declares a total loss.
By now the wife and I have atomic powered lazers for eyes. I call the dealer-- he checks the Carfax and says don't worry, it has to be a mistake and he calls Carfax---not a mistake. FLO (Progressive Ins) tagged it a loss, but that is all they would tell him. Since the previous owner checked off that it HAS NEVER BEEN TOTALLED--the dealer is out of the blame game. I called and talked to DMV officers in NC and as long as it was not told to them, they are held harmless. While the dealer is not responsible, he has been working to fix things like crazy. I tried to get up with the previous owner--but he is not returning calls. That is all I will say since this is already too long.
The story DOES have a happy ending though. FLO coded it wrong when she reported it to Carfax and she did not report it AT ALL to Auto Check. It was a $2200 claim for vandilism where somebody cut the top with a razor. The dealer fixed the Carfax report and is doing about $1,000 in upgrades for me for my troubles.
SUMMARY:Get the Carfax---not a substitute. Give them this story when they tell you they are the same. You can bet I will.
[/SIGPIC]"The Road Goes on Forever and the Party Never Ends"-Robert Earl Keen
Last edited by 4 inch pistons; 12-13-2013 at 04:49 PM.