Page 12 - October 13 2014
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Asking the right questions key to a successful vehicle purchase

When it comes to purchasing a vehicle, OMVIC, tampered vehicles. Buying Privately
Ontario's vehicle sales regulator, says it's vital In either case, go armed with this mini-checklist and Learn about the risks of curbsiders and how to spot
consumers be well-informed. always go for a thorough test drive. them:
“Whether you buy privately or from an OMVIC- OMVIC's Mini-Checklist for Buying a Used Vehicle Order a vehicle history report before purchasing
Registered Dealer, carefully research the vehicle you Buying from a Dealership (CarProof or CARFAX)
want, consider possible future needs, determine Do your research before stepping onto the lot: start at Be sure there are no liens on the vehicle: check the
associated expenses and know your consumer rights,” Used Vehicle Information Package (UVIP – seller
advises OMVIC's Director of Communications and Make sure the salesperson understands your needs; must provide one) or CarProof report
Education, Terry O'Keefe. don't sign a contract before you're ready Confirm the seller's identity: check ID and proof of
“It's especially important with private vehicle Ask the right questions and get full disclosure of the ownership
purchases,” O'Keefe emphasizes, “because you get vehicle's past use, history and condition in writing – Avoid cash or electronic payments: issue a cheque to
none of the consumer protections you get when buying you're entitled to it the registered owner
from an OMVIC-Registered Dealer. You need to be Make sure the price quoted doesn't exceed the OMVIC offers other valuable information, plus free
extra cautious about the possibility of dealing with a advertised price (except for HST and licensing) unless consumer educational seminars. For more information
curbsider – an illegal, unlicensed car dealer.” it's for chosen options: it's the law – and protection – visit
Curbsiders commonly pose as private sellers and often Beware: there is no cooling-off period – a signed NC
sell previously written-off, damaged or odometer- contract is legally binding

3 things every driver needs to know

How strong a driver weather, you should “And this will affect incident, or loss of use.
are you? What about absolutely augment your policy, not theirs. This means that you
the people you share your policy,” says Keep this in mind.” will not go without a car
the road with? A recent B l a k e R e i c h e r t , Understand the extent when yours is being
study from Western Western Financial of your coverage repaired as a result of an
F i n a n c i a l G r o u p Group's regional vice These days, policies insured loss.
d i s c o v e r e d t h a t , president of sales in are as diverse as This time of year,
despite being more Alberta. “Always talk drivers, so make sure many of our thoughts
confident in our own to your broker to see you know exactly what turn to roadside safety –
driving, more than how much coverage you have. This becomes and it's important to
three quarters of you have and what you particularly important look at the entire
Canadians say they might need to add.” should you travel picture. The above will
have been in an Be selective of who e l s e w h e r e . I t i s get you started, but also
accident since first drives your car important to check the consult a qualified
taking the wheel. If you have insurance territory restrictions on professional before
As that shows, we coverage, anyone who your auto policy before putting your car in
may not know the road takes your vehicle for a you hit the road to drive. Additional
quite as well as we spin does as well – ensure you will be information is available
think. Here are three provided they have a covered while away o n l i n e a t
things every driver valid license and are from home. Always westernfinancialgroup.
should take into operating your vehicle talk with your broker ca.
account: with your permission. ahead of your road trip
The deadline Weather can cause Nevertheless, whatever and they can give you
The deadline
more damage than they do reflects on your the best information
for ads is you know coverage. “So, should about what coverage
for ads is
With worsening road they get into an accident you may need.
Tuesday at 5pm
Tuesday at 5pm conditions ahead, y o u r p o l i c y w i l l Similarly, you can
weather damage to respond subject to the include stipulations like
prior to your vehicle can take terms of your coverage, replacement or loaner
prior to
many forms. In order to Reichert explains. vehicles due to an
Monday’s protect your vehicle
from wind and hail, as
publication. w e l l a s t h e f t ,
vandalism, and impact
to animals, you will
n e e d t o c a r r y
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