Auto Dealer Finance & Insurance Attorneys

Protecting Dealership Profits Through Finance & Insurance (F&I) Compliance
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What Is Auto Dealer Finance & Insurance (F&I) Law?

Auto dealer Finance & Insurance (F&I) law governs the financing, insurance products, contracts, and disclosures that dealers provide to customers. An F&I lawyer is a legal specialist who ensures these practices comply with complex state and federal regulations. By reviewing dealership policies, procedures, and forms, these attorneys help prevent audits, lawsuits, and class actions. They also provide strategies to reduce liability while protecting profitability in the F&I department, the dealership’s most profitable yet most heavily scrutinized operation.

Finance

Protecting Dealers in Finance & Insurance Matters

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F&I Policy & Form Reviews

Ensure every policy, contract, and disclosure complies with state and federal requirements. Reduce liability by addressing compliance issues before they become problems.

On-Site Compliance Audits

Identify risks before regulators or manufacturers do. Proactive audits protect dealerships from costly penalties and enforcement actions.

Training & Education

Equip dealership staff with the knowledge to avoid compliance mistakes. Ongoing training minimizes audit exposure and strengthens day-to-day operations.

Consumer & Class Action Defense

Defend dealerships against consumer claims and class actions tied to financing or insurance products. Protect profitability and reputation in high-stakes disputes.

Add-On & Product Compliance

Review warranties, GAP coverage, and service contracts to confirm products are marketed legally and fairly. Prevent claims of misrepresentation and regulatory violations.

Manufacturer & Regulatory Challenges

Respond to factory audits and government investigations with a strong legal defense. Keep compliance disputes contained and safeguard dealership stability.

Why Dealers Trust Our Auto Dealer Attorneys

Years of Combined experience
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Exclusively representing franchised motor vehicle dealers with unmatched legal experience.

STATES & BEYOND
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Represented dealers in every U.S. state, plus Puerto Rico, Canada, and across Asia.

Secured in settlements
$ 0 B

Secured in settlements for U.S. Volkswagen dealers in the Dieselgate class action.

CLOSED TRANSACTIONS
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Dealership transactions in 2025, representing 37 franchises.

How We Protect Dealers in F&I Matters

The F&I department drives profitability but also carries the most significant legal risk. A single compliance misstep can trigger lawsuits, penalties, or lasting reputational damage.

With experienced dealership attorneys, problems are prevented before they arise, and disputes are defended with strength when they do. Protection includes:

  • Proactive compliance reviews to identify risks and reduce liability
  • Defense against consumer complaints and class actions
  • Guidance on disclosures and add-on product sales practices
  • Training and education to safeguard long-term profitability
F&I Matters

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Don’t let insurance disputes or F&I audits threaten your dealership. Contact Bass Sox Mercer today to protect your business and keep profits secure.

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Frequently Asked Questions About Auto Dealer Finance & Insurance

What types of insurance does an auto dealership need?

Auto dealer insurance typically includes garage liability, dealer’s open lot coverage, workers’ compensation, property insurance, and cyber liability. These policies protect dealerships from accidents, theft, employee claims, and data breaches.

Why do manufacturers or lenders audit F&I operations?

F&I audits are designed to check compliance with financing laws, add-on sales, and disclosure requirements. Manufacturers and lenders review paperwork to identify errors that can lead to chargebacks or regulatory concerns.

What risks do dealers face in F&I audits?

Dealers face exposure to chargebacks, penalties, and damaged relationships with lenders or OEMs. Even minor errors in contracts, disclosures, or product sales can lead to substantial financial losses.

How can a dealership attorney help with auto dealer insurance and finance disputes?

A dealership attorney can defend against F&I audit findings, challenge or negotiate chargebacks, review auto dealer insurance coverage, and ensure compliance with state and federal law. Skilled legal counsel protects dealer rights, reduces liability, and safeguards profitability.

Offices in Florida & North Carolina, Serving Dealers Nationwide

From our offices in Tallahassee, Florida, and Raleigh, North Carolina, Bass Sox Mercer represents auto dealerships across all 50 states and abroad. Regardless of your store's location, our attorneys possess the reach and experience to protect your business effectively.

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