What should you do if the car you buy turns out to be a dud, and breaks almost immediately after you buy it? There are actually laws for that, appropriately called lemon laws. These laws differ across America. For instance, what if you get a lemon car in Texas? How do the lemon laws work there?


The Lemon Law Explained

The Lemon Law is a law that states that the manufacturer can be sued for a nonfunctioning car provided the car meets certain requirements.


Proof of a Lemon Car

To qualify as a lemon car, at least one out of three requirements must be met. Your claim becomes invalid if these conditions were met after the warranty ran out or the car has driven 24,000 miles. The claim is also invalid if the warranty doesn’t cover the issue you’re dealing with.

1.      At least four attempts have been made to repair the car, and none have worked.

2.      The car has been in the shop for a cumulative period of thirty days or longer.

3.      The defect threatens the safety of those in or around the vehicle.

These first three conditions establish that the car is, in fact, suffering major performance or functionality issues and that the burden, therefore, falls on the dealership or manufacturer to fix it.


Attempts to Solve Out of Court

The consumer must also give the manufacturer a certain number of chances to fix the car, and a description of the issue by mail, if possible. If these chances have been given and they have either been rejected or for some other reason the problem has not been fixed, it is time to see a lawyer.


Age of the Car

Another thing to consider is that the car must have been new when you bought it. If the car had any previous owners, it’s basically impossible to be sure that the car’s problem was an error of the dealer or manufacturer. Even if you bought the car from a dealership, the dealership can’t be held responsible for the issue.


What a Lawyer Can Do?

A lawyer can guide you through the process of getting your case to a hearing. A hearing is a somewhat informal court session – less so than criminal law, at least. One key difference is that there’s no jury in a hearing. Nobody wants to sit through court for six hours listening to you talk about how your car doesn’t work and explaining why it’s the manufacturer’s fault. Instead, you will present your case to a judge and they will make the final decision. Usually, this happens sometime after court adjourns, so the judge has time to consider everything.


Who to Contact

More often than not, it’s going to be the manufacturer that you’ll have to take to court for your Lemon Law hearing. The dealership was only responsible for selling the car, and usually can’t be blamed for any defects it was built with. Not only that, but the dealer may try to convince you to spend more money on a different car. You might need to get a new car depending on how your case works out, but that’s something to deal with later.



The hearing may bring more good news than you’d expect. Winning a lemon car case means that the car manufacturer or dealership, depending on who you took to court, has to pay your attorney fees. This is a law in most states. However, if you lose your case, you will have to pay for any lawyers’ fees you may have. The good news is that at least a few companies have thought of this and offered a solution. It is possible to buy lemon insurance that covers anything your warranty doesn’t. With this in mind, you may want to plan ahead.


Car Recalls and Lemon Laws

It’s a valid question as to whether or not a car recall is grounds for a lemon law case, and the answer is maybe. It is common to see lemon car cases where there was a recall issued, but it’s not guaranteed. If there was a recall and you think you have a lemon law case, it’s worth pursuing. However, a lawyer is going to have a better perspective on your case than you are.


Is Your Lemon Car Grounds for Legal Action?

There’s no one-size-fits-all rule for what counts as a legitimate lemon law case. There are legal requirements that your lemon car must meet, but the laws were written as a reference point. They were designed to present a situation that almost always merits legal action. Once these conditions have been met, you’ll need to go to a lawyer. Keep in mind that there are law firms that deal especially in lemon law cases, so, naturally, they’re the ones you should be looking for. It will often be the manufacturer that you end up taking to court, and if you win, they’ll have to pay your lawyer bills. If you want to avoid all the hassle of lemon law cases, please visit our site. We sell insurance that helps cover what a warranty doesn’t. Feel free to contact us if you have any questions!


So, your credit score is in the dirt and you need a new car. But, can you even buy a car with no credit? The short answer is: it depends. Lenders tightened their underwriting restrictions significantly after the 2008 recession. The good news is that they are slowly lifting some of these restrictions in favor of borrowers with less than stellar credit scores. That said, buying a car with no credit is no easy feat. You’ll need some tools to navigate the process effectively and successfully. If you’re wondering how to buy a car with no credit, then you’re in the right place. In this article, we’re breaking down everything you need to know to find reliable wheels. Keep reading to learn more.


How to Buy a Car with No Credit

If the question, can I buy a car with no credit is reeling through your mind at every waking moment, you need answers. And, it’s a good thing you’re performing your research because buying a car is a big investment, regardless of your credit score. If this is your first time buying a car, there is even more to think about. Follow the tips outlined in this article to make the car buying process itself a little easier on your psyche and your pocketbook. But of course, if you have no credit you should read this, first:


Get a Co-Signer

Whether you have a bad credit score or no credit at all, lenders look at your financial habits as risky. This means they are less likely to offer you a loan without assurance that they will get paid. A co-signer is someone with a favorable credit score that agrees to pay your debt if you don’t fulfill your end of the agreement. Usually, a co-signer is a close relative or trusted friend.


Pay Cash

One way to avoid worrying about your credit score altogether is to pay cash. This is a great alternative to financing that can further strap you later down the line causing more negative impacts to your credit. You’ll also pay less for your vehicle overall without interest piling up on a loan. Of course, most folks don’t have stacks of cash lying around.


Shop Around

Keep in mind that you have options for financing outside of the dealership. In fact, you may be approved for a fair rate with your own bank or credit union. Credit unions, especially, are well known for offering loans to people based on income. Likewise, if you have a strong income and employment history, lenders are more likely to consider you as a borrower. Do your homework to find out what kind of loans you may be eligible for before you start shopping.


Length of the Loan

If you do secure financing, take a good look at the length of the loan. Especially if you’re being charged a high interest rate (which you probably are). The longer your loan, the more interest you are paying in the long term. On the other hand, some lenders may actually require that you take a shorter-term loan. This helps to lessen the lender’s exposure to risk.


Down Payment

Lenders consider the loan amount when making their determination to give you a loan or not. If you have a significant down payment for a vehicle to bring the loan amount down, you may be more likely to get approved for financing. This will also reduce your monthly payment so try to budget your down payment according to what you can afford.


Buy Here, Pay Here Dealers

If you just don’t have the credit to buy a car, there is one last option to get on the road. They’re called ‘Buy Here, Pay Here’ dealers. These are small, generally, owner operated car lots that provide in-house financing at extremely high interest rates. Be careful with these type of dealers. Some cars on the lot could be lemons that are going to break down after only a few thousand miles leaving you with a loan on a car that you can’t drive. Look for a dealer that provides written warranties or other written assurances regarding the car’s roadworthiness.


Start Building Credit

If you have time to spare before you need to buy a car, the best thing you can do is start building credit. You should have at least one credit card or a revolving personal loan with monthly payments.


Average Credit Score to Buy a Car

But, then, what’s a good credit score to buy a car? Typically, lenders like to see that you can make payments on time for at least a year regardless of your credit score. It will probably take at least that long to build up a credit score anyway. The average minimum credit score to buy a car with a traditional dealer is around 660. Of course, your interest rate will still be higher than that of someone with a credit score of 700-750.


Credit Building Tips

Don’t miss a payment on your revolving credit accounts. Also, don’t be late with your payments. Set reminders or enroll in auto pay with your credit accounts to avoid a crippling effect on your score. Also, use no more than 30% of your total credit limits at any given time. This will help build your credit score and show lenders that you are a responsible borrower.


Final Thoughts

If you want to buy a car with no credit, you can but it takes determination and generally involves higher interest rates. Now that you know your options you can start making a game plan and put it into action. Make sure to set a budget so that you’re sure of what you can afford when you begin shopping. When you find a car that you love, you’ll want to protect the investment. If you are considering buying a new vehicle, contact us with questions about how Lemon Proof can help protect you.


In 2018, there were over 17 million new vehicles purchased in the United States. This was up 0.3% from 2017 and these numbers are expected to rise again in 2019. But finding the best new vehicle for you means taking time to consider what you need and what is in your budget. For most people, it also requires them to prepare themselves for the car-buying process at a dealer’s showroom.


1. Stay Calm 

When you are shopping for a new car at local car dealerships, it is important to stay calm and cool while you do it. It is fine to express your interest in a vehicle, but you should not show your hand too much. If you let on that you are set on driving away in a new vehicle, this will send the wrong message to the sales representative. Shopping for a new vehicle can be exciting and stressful at the same time. But by staying cool and collected, you can stay focused on the reality of the situation and the potential costs of buying that vehicle.


2. Avoid Trade-In Discussion

You should avoid discussing whether or not you have a trade-in vehicle to offer against the price of a new vehicle. This matters because when you bring a trade-in vehicle into play, a new car dealership can play with the numbers. These include offering you a certain amount for your trade-in but making it up on the back end with extra fees and/or a higher selling price. Your initial goal when you walk into the dealership should be to keep your focus on the selling price. You want to ensure that you have the lowest total sales price before you begin to discuss financing, trade-ins or any other incentive.


3. Don’t Mention Maximum Monthly Payment

When you are shopping at new car dealerships, you should not mention the maximum monthly payment you are willing to make. One of the most popular tactics that a salesman takes is asking the question, “What is the maximum monthly payment that you have budgeted for?” If they are being less aggressive, they may ask you what monthly payment range you are comfortable with. The problem with this approach, from the buyer’s end, is that this puts your focus on the wrong thing. That’s because a dealer can play with the term of your payment plan to get to the number you want, with a wide range for the total sales price. Ultimately, this means that you could be paying more for the vehicle than you would like. Do research on what is a fair selling price for the vehicle you want, that way you identify what is a reasonable sales price and what is not.


4. Take a Test Drive

Test driving a vehicle is an important way to identify if the vehicle you like is the one for you. When you perform an internet search for, “new car dealerships near me”, you may get several results for the vehicle manufacturer you are interested in. It is often worthwhile to do research on the price you are willing to pay and then take the vehicle for a test drive. However, keep in mind that going for a test drive doesn’t mean you have to purchase the vehicle. The test drive is a way for you to get behind the wheel of the vehicle and see what you like and don’t like. It’s also a good way for you to compare apples to apples. Identify a few vehicle makers that you are interested in and go for a drive of each model. Then you will have a sense of what makes one vehicle stand out from the others.


5. Research the Dealership

Buying a vehicle is one of the single most important and expensive purchases you can make. This means that you need to take time to research the dealerships you may buy from to learn as much as you can about them. One good place to start is on the internet. You can perform a search to read reviews and see what other people have to say about dealerships in your area. You can also learn a lot by speaking to a friend or family member about their vehicle and the buying process. Did they have a memorable experience at a dealership that was particularly good or bad? If they were in the market for a vehicle more recently, they may be able to shed some light on which dealer was worth working together with or not.


6. Be Willing to Walk Away

Standing your ground at a car dealership is an important part of the vehicle purchasing process. There is a lot of allure to buying a brand new vehicle. These include the “new car smell” and the feeling of being behind the wheel of a car or truck that no one has driven before. But in order to make the most of your experience and get the best deal, you have to take those emotional parts of the process out of things as much as possible. This means being willing to walk away if you do not get what you want. Walking away from a potential deal during negotiations can send a strong message that you are not willing to budge on an issue that is important to you.


7. Avoid Unnecessary Add-Ons

If you narrow down the vehicle you want and receive a fair price, the next step is to sign the paperwork. But that often comes with an additional sales pitch about add-on’s that you should make on your vehicle. This includes products like nitrogen for your tires, advanced tracking systems for vehicle theft prevention, extended warranties, and more. You should consider whether each one of these items is absolutely necessary. That’s because each one of these items drives up the price that you will pay and may not be in your budget.


Wrapping Up: How to Approach Shopping at New Car Dealerships

New car dealerships can be an intimidating place for someone who is in the market to buy a new vehicle. Taking advantage of these tips can help you feel more confident and better prepared to participate in the process. Buying a brand new car doesn’t completely protect you from receiving a bad apple. At Lemon Proof, LLC, we offer peace of mind by covering potential expensive attorneys’ fees and costs incurred when a buyer’s new vehicle turns out to be a lemon. This happens more than 150,000 times a year in the United States. Contact us today to learn more about Lemon Proof and how we can help protect your new car or truck!



American dealerships sold 17.6 million cars and trucks in 2016. It would be great to walk into a car dealership, explain your needs and budget, and be able to drive away with a fairly priced new vehicle in no time. In reality, all car dealerships in Houston are not for you. Some dealerships will pressure, condescend to and take advantage of you. However the best will let you leave the dealership knowing that you were a respected customer whose needs and interests were taken seriously.


What to Look For in Car Dealerships in Houston

Reputable services, including the Better Business Bureau, rank car dealerships with an A to F based on customer experience and number of complaints. JD Power also conducts surveys allowing car buyers to rate their satisfaction. These platforms can be more reputable than online reviews, although those should be considered as well. Before you visit a dealership, check their inventory online and compare prices of similar vehicles with the same amount of mileage. You will want to be confident when you walk in the door that you can expect a reasonably good deal for your requirements. Ask about warranties before you purchase. Services covered under the warranty should be provided for free, including the removal and replacement of major systems. Many dealerships offer basic warranties when you buy, as well as extended warranties for an additional fee. Extended warranties can add onto the time you are able to request free service. You can consider lemon-proofing your vehicle when you buy a new vehicle for further assurance your purchase will not be a tragedy. Choosing the wrong dealership may mean the dealer won’t take service concerns seriously after you make a down payment and driven away. If your car has major complications, you may even find yourself reporting a lemon and starting a new car nightmare. The best car-dealerships have been hailed time and again by customers for being honest, trustworthy, genuine, and friendly.  You will feel from the minute you walk in the door that you are getting a great buy, and can bring your car back at any time for service and attention.


1. Motors on Wheels

The owner of Motors on Wheels has been praised many times by customers for being pleasant, professional, transparent, and not too “salesman-y.” Customers who call ahead of time are greeted at the door with the keys to a car to test drive. The staff is efficient and fast. And financing options are sometimes even better than those recommended by credit institutions. The warranty at Motors on Wheels allows car-buyers to take their vehicles to the maintenance shop, which is right next door, for no deductible. Customers are impressed with the clean, tidy space they are served in.


2. Houston Auto Sales, Inc.

This small, family-owned dealership is noted for its honest, trustworthy service. Customers report finding beautiful cars, friendly service, and a “fun” experience. Houston Auto Service listens to customers and helps them find exactly what they are looking for. Their Superior Warranties offer coverage from a car’s rear suspension to its engine, and the Supreme Warranty offers maximum breakdown protection.


3. Fred Haas Toyota Scion World

Customers at Toyota Scion are treated like friends and are made a priority, with fair pricing on all vehicles. The dealership has been given Toyota’s President’s Award for Excellence. They were also given the Better Business Bureau’s Winner of Distinction Award from 2004 until 2017. They received BBB’s prestigious Pinnacle Award each year from 2008-2014 for 100% customer satisfaction.


4. Team Autoplex

Known for selling sports cars, this used dealership leans toward the higher end of the market, but also has some reasonably–priced options. Customers report the staff as being organized and efficient. They bring up questions and concerns that buyers hadn’t even considered before they began shopping. Inspection companies will go to the dealership for you and run a rigorous inspection before your purchase. You can also have a local mechanic of your choice perform the analysis. Team Autoplex also offers low-cost extended warranties.


5. Beck and Masten Buick/GMC

This dealership offers new and used cars and trucks. The vehicles available are praised by customers for being attractive and affordable. The staff is friendly, knowledgeable, and not too pushy. Beck and Masten offers a “luxury lease” option to customers. They can get a factory-limited warranty for the first four years or 50,000 miles. At the end of the lease, there is the option to extend it or purchase the car.


6. Talisman Motor Company

The salespeople here are known to be thorough and patient. They are respectful of customer’s wishes as well as their price ranges. The used cars available here come from makers like, Lexus, Mercedes, Nissan, Ford, and Saab.


7. Dixon Motors

This dealership is known for its professionalism and warm, friendly service. Customers do not feel that they are taken advantage of, even if they are first-time car buyers. You can get pre-approved for financing online before you even walk into the dealership. You can also view their inventory and get an idea of the types of vehicles available.


Get on the Road

Professional, relaxed service and attractive, reliable vehicles are what you can count on from the best car dealerships in Houston. You won’t be disappointed with the knowledgeable staff at businesses like Motors on Wheels, Fred Haas Toyota Scion World, and the Talisman Motor Company. So, if you’re in the market for a new vehicle or have just made a new vehicle purchase consider adding Lemon Proof for peace of mind today.



It’s time to leave that old jalopy to rot by the curb, you need a new car. So where to begin? Well, first thing’s first, do you want to buy new or do you want to buy used? If money doesn’t grow on a tree in your backyard, then that’s an important question. Getting a new car is awfully pricey, but getting a used car can be a money pit. Decisions, decisions… Having to buy a new or used car is an exciting, but also terrifying thing to do. The next few years of your transportation life are at stake and it all comes down to this choice. The good news is that the internet exists, and there’s plenty of research to be done. Let’s walk through the pros and cons of buying a new car, the pros and cons of buying a used car, and other things to look out for when making this important decision.


Pros and Cons of Buying a New Car

When the time comes to get a new vehicle, the first thing that you’ll probably do is take a look at your bank account and income to determine the budget that you’ll be dealing with. Here are the pros and cons of buying new:


Pro: It’s New

The most obvious thing to throw in the “pro” column is that your new car will be…new. No one else has driven it before, so all of the fear-of-the-unknown stuff isn’t an issue. In addition to that, it’ll come with the latest state of the art technology that makes driving fun. Apple CarPlay, Android Auto, Bluetooth, GPS, and all the newest gadgets will be at your fingertips. And it will have plenty of miles ahead of it covered by a new car warranty.


Con: Depreciation

What you might not be aware of when you’re buying a new car is that its value goes down significantly as soon as you drive it off the lot. It’s common for a car’s value to depreciate by 20% after the first year of mileage, wear and tear. Once driven, your new car becomes a used car to the rest of the buying market.


Pro: Safety & Gas Mileage

A benefit of having the latest technology in a vehicle is having all of the advanced safety features that are available in new cars. Autonomous emergency braking, blind spot monitoring, adaptive cruise control, and lane departure warning are standard features in many vehicles today, even the cheaper models. While having these things won’t make you or anyone else a better driver, it’s comforting knowing that your car is looking out for you. Most of the above safety features have become common in the past five or so years, making it less likely to find them in a used car. Also, if there are any defects with the safety features of a new vehicle, they are usually covered under a lengthy warranty. If you run into problems with a new vehicle’s safety features or the vehicle has a substantial unfixable defect, Lemon Proof purchased with the new car, saves new car owners thousands of dollars in getting out from under the Lemon. Automotive manufacturers are often trying to increase the fuel economy in new models, so buying new may save on fuel costs. So, though your car lost some of its value as soon as you drove out of the dealership, you’re slowly making that money back with longer trips between fill-ups.


Con: Insurance

The simple fact of the matter is, cars that are worth more have higher insurance costs. Consider this if you’re on the fence because you could be looking at a drastic difference in monthly insurance payments between a used car and a new one. This is exacerbated by whether or not you’re paying in full or paying off the vehicle over time. Many dealerships or financial institutions will require full coverage until the vehicle is fully paid off.


Pros and Cons of Buying a Used Car

When buying a used car, a lot more prep work has to be done in figuring out what kind of car you want, actually finding the right make and model, and then making sure that the car isn’t going to break down on you within the month. However, people are moving on from their vehicles at breakneck speeds these days, so you can find newer vehicles for better prices.


Pro: So Much Cheaper

Nowadays, on used car websites, you can easily find quality used vehicles for pretty much any budget. Rather than pay $30,000 for a brand new car, you are able to get the 2007 version of the same model for about a tenth of the cost. It’s that depreciation thing that’s hurting new car buyers giving a hand to used car buyers. Speaking of depreciation, when you purchase a used car, the value doesn’t dip nearly as much as it does with a new car so your net loss when buying another car in the future isn’t so bad.


Con: The Unknown

Yes, the worst part of buying a used car is that you haven’t the slightest clue what kind of trouble the thing has been in. As long as you have some knowledge, or buy from a trusted source, then you will be fine. But there could be something a dealership isn’t telling you or some undetectable problem that can arise down the road.


Pro: You Can Get a Nicer Car

Another benefit to choosing a used car is the ability to shop a class above where you would have to look if you’re buying a new car. Because of the huge depreciation that even luxury vehicles experience, models that are even a few years old become much more affordable to people who otherwise couldn’t afford them.


Con: Repairs

One more major con for used cars is the repairs that come inherently with a car’s aging process. As more miles are tacked on, the possible need for major repairs goes up a lot. You could find yourself spending a lot of money at your local garage.


So…Which Is Best?

As we’ve laid out here, there are pros and cons to buying a new car and a used car. If your budget allows for the purchase of a new car, that might be the better bet, but remember that its market value decreases as soon as you own it. But the value in a new car is the higher probability of problem free operations for a number of years. While you can find used automobiles for a fraction of the price of a new one, there is the real possibility that you’ll be spending all that savings on repairs down the road. And if you decide on buying a brand new car, contact Lemon Proof before you do so you can have peace of mind protection against the possibility that your new car is a lemon.