American car center Done what they asked as far insurance vehicle burned and deemed total loss now they want $6000 more. Memphis Tennessee!!
March 09,2018 my wife and I went to American car center to purchase a car. Everyone was friendly and we found a 2017 Jeep Patriot my wife loved. I traded my truck in on this car plus the first two payments totaling $500 went toward the car. Total of $3000 down. We had full coverage on the car from the time we left the dealer. About 10 months later my wife started the jeep to let it warm up and the jeep caught fire. My wife called fire department and firefighters put it out. The jeep was our only car. Next day I borrowed neighbors truck and drove to Memphis to talk to finance people about the jeep and also on getting another car. Took fire report to them and when I asked about buying another car the manager Danny told me we would have to wait on insurance to be settled. Never heard nothing else from American car center. My insurance company Geico cut them a check less than 2 weeks later for car value. Still no word from American car center. So in meantime I bought another car so my family would have a way to get around. On March 17, 2019 I checked my credit report and now there is a charge off of $6000 on my credit report. I contacted American car center and was informed since I had full coverage insurance I was liable for the remaining balance. When looking back thru paperwork there was a disclaimer for total loss waiver. Since I was fully covered they said it didn’t concern me it was for people who didn’t have full coverage. It seems when you do the right thing by having insurance you were be be better off without it. I will never refer anyone to this car dealer no matter what their situation is.