37zeroZ

From what I've read....doesn't sound good in favor of Kayess.

Insurance is designed to protect the party who has the title in their name, i.e., money talks. In this case, it's the finance company....not the owner who is making payments. You own nothing until the finance company releases the title to you, thus, they are the ones on the hook.

There are checks and balances in place to make certain that full coverage is obtained by an individual who is lent money, but not always 100 percent. The responsible individual is the person who is given the property. You are ultimately responsibility for making sure that you cover any loss that might prevent you from defaulting on the purchase.

Or you could do the dishonourable thing and default on the loan and turn over the vehicle to the lender. Not what I would recommend, but I've seen worse defaults. Of course, not smart, especially if you have paid much money into the vehicle greater than taking a loss.

Good luck.