Reduced car note?

Haha all these faggots upside down on loans. Schlomo is laughing.

Do you have full coverage insurance? (commonly called collision)
If you do and happen to hit an animal it is considered a no fault accident.
And if that animal ran off after you hit it there wont be much evidence of that would there?
Even a graze from a deer could cause you to drop your bike.
That would be a shame.......

Forgot to say I really wouldnt hit a Deer if you didnt have GAP insurance.

y-yeah i do but insurance only covers what the bike is worth right? if i owe more than what its worth will insurance pay off the rest too? ( i bought it brand new )

Did you get GAP insurance? It usually cost like 100-300 dollars when you buy the vehicle or you have to buy it from your lender (if they are different).
Check your contract it will state if you did as EVERY dealer offers it.

Sorry i forgot to explain what that is. GAP insurance will pay off what ever is left on your loan in the case of a total loss of the vehicle.

i did not get it according to my bill of sale

>i did at the time, but that was also two years ago
Did you lose your job?

Poor baby, did the man stop you from making car payments?

i owe about 11k, and looking at kelley the 2007 rav4 is worth 9k

what is your car actual worth? If your financial stuff (credit score etc.) is in order you maybe able to trade with whatever difference added to that 9k.

That purely depends on you financial abilities. Do you have good job? Is your credit score good? They check all that when you go to a dealership and usually tell you right away if you can trade.