Financing Stipulations

Proof of Insurance

CarMax Auto Finance (CAF Tier 1): Evidence of existing full coverage insurance, such as a current insurance card, is acceptable.

Any other financial institution (including CAF T3): The vehicle must be added to an insurance policy prior to the customer taking delivery of the vehicle and the store tendering the sale.

  • A Sales Manager must verify that the vehicle has full coverage, VIN-specific insurance, and either the buyer or co-buyer is a covered driver prior to taking delivery. Verification may be satisfied by:
    • A Sales Manager speaking with an insurance agent over the phone and ensuring that the vehicle is added to an insurance policy. No additional documentation is necessary.
    • A Sales Manager reviewing an insurance binder with coverage of the new vehicle.
    • If a Sales Manager is unable to verify VIN-specific insurance on a non CAF Tier 1 financed transaction, he/she may consider delivering the vehicle as an exception (details below). 
  • Sales Consultants must select the applicable insurance verification method in Order Entry.

General Requirements (using CarMax financing, includes RoadLoans)

  • Maximum deductibles: $500 for both collision and comprehensive coverage (Full Coverage).
  • Minimum policy term: Six months. Short-term binders/policies are not acceptable.
  • Commercial binders/policies: Not acceptable.
  • Policy holder: Insurance may be in any person’s name.
  • Covered driver: Primary driver (either the buyer or co/buyer) must be listed as a covered driver.
  • CarMax financial institutions may call the customer’s insurance company to verify coverage.

Please refer to the CarMax Insurance Requirements and Verification Policy on the CarMax World for additional details.

Reviewed 04/13/15

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