DETROIT – Honda, Ford and Volkswagen won the top awards in the North American Car, Truck and Utility of the Year (NACTOY) Awards announced Jan. 10 during media day at the Detroit Auto Show.
A packed crowd watched as the NACTOY judges announced the award winners, which included:
The Honda Civic Hybrid won the North American Car of the Year.
Ford Ranger earned North American Truck of the Year honors.
The Volkswagen ID. Buzz received the North American Utility Vehicle of the Year:
“What a way to kick off the new year,” said Josh Beckner, Midwest Honda zone manager, who accepted the award on behalf of Honda. “This is a tremendous honor, On behalf of everyone at Honda,. I want to thank the jururs of the North American Car of the Year committee for selecting the all-new Civic Hybrid for thius award.”
This is the Honda Civic’s fourth win in the category in NACTOY’s history.
“The Civic Hybrid is a key part of our flexible approach to electrification,” Beckner said. “and we’re thrilled with the response we’ve received from the media, our dealers and most importability, our customers.”
Ford’s Jim Baumbick, vice president, advanced product development, cycle plan, and programs, accepted the award on behalf of Ford. He said the team at Ford wakes up every day to serve customers with passion and energy,
“I’m particularly proud of our team because we’ve had Ford truck
on this stage five years in a row,” Baumbick said, VW’s all-electric ID. Buzz offered the most distinctive look of all the award winners, looking both futuristic and like a throwback to the classic VW bius.
Petar Danilovic, VW senior vice president for product marketing
and strategy, was the most enthusiastic of the award recipients.
“What an amazing way to start this year, winning the North American Utility Vehicle of the Year award,” he said. “Wow. What a moment.”
This marks the third time VW has won a NACTOY award and the first
in 10 years. Coincidentally, VW won its first NACTOY back in 1999 for the New Beetle, also a throwback to the 1960s classic car.
“This is really, really big for us, as you can imagine.” Danilovic said, adding that the award based on the judgment of “true professionals” and “true car lovers” gives it special meaning.
“I might be a little bit biased, I give you that, but how many times do we have a true icon coming back to North America?” he said,
Founded in 1994, the NACTOY awards are the longest-running new-vehicle awards not associated with a single publication. Vehicles are judged by 50 professional automotive journalists from a wide variety of print, online, radio and television media outlets in the United States and Canada. Votes are confidentially tallied by Deloitte LLP. Ballots cast for the 2025 NACTOY winners remained secret until envelopes were opened onstage.
OEM News
By Jeffrey Bellant
DETROIT– General Motors CEO
Mary Barra recently discussed the state of the company, the incoming Trump Administration and EVs, among other topics.
The discussion took place during a fireside chat event with the Automotive Press Association. Axios auto reporter Joann Muller led the hourlong discussion held at the Garden Theater in downtown Detroit
Barra offered some initial comments to kick off the evening, stating that “2024 has been a year of great progress and really strong results” for the company.
“You know, 37 out of 38 quarters we beat expectations,” Barra said. “It’s something I’m really proud of.” She said, from her perspective, GM has one of the best portfolios of internal combustion engine vehicles in the business, with 15 new or significantly enhanced ICE products.
From an EV perspective, from Q3 2023 to Q3 this year, GM has doubled its EV sales, Barra said.
“We set a record in Q3, we’re not No. 2,” she said, “I think we’ll set another record in Q4.”
Barra said GM’s ability to command price – as far as average transaction price – while keeping incentives on ICE and EVs “significantly below the industry average” is something she attributes to the “beautifully designed vehicles that we have.”
She gave a shoutout to Michael Simcoe, GM’s design chief, who was also in attendance.
“Hats off to Michael and everything that you’ve done,” she said.
She credited former Tesla exec Kurt Kelty and Mike Anderson with leading the charge on EV battery technology at GM.
Efficiency and agility have been a focus this year, Barra said, so that the company can be proactive as
changes hit the industry.
She pointed to the restructuring the company did in China as the auto business there has “structurally changed” with the increase of domestic competitors – more than 100. This restructuring sets up GM to return to profitability in China, she said.
Barra also addressed the elephant in the room: an announcement made the day before that “GM will no longer fund Cruise’s robotaxi development work given the considerable time and resources that would be
Continued on page 5
Legal News
By Shelley B. Fowler
Guaranteed automobile protection products have been at the top of state and federal regulators’ minds recently, not only with regard to the sale of those products but also (and in some cases, especially) the obligation to make refunds in the event of an early termination of the consumer’s underlying credit obligation.
Here’s a recent case involving claims that a creditor received unearned GAP fees when a consumer traded in his car and the creditor received a payoff amount from the dealership that took the vehicle in trade that included the remaining GAP fees for the full term of the finance agreement.
Vincent Ratulowski bought a new car in 2015. As part of Ratulowski’s financing for the purchase, he elected to buy GAP coverage.
Ratulowski traded in the car to Gateway Motors in 2020. PNC Bank, N.A., the assignee of his finance agreement, submitted a payoff amount to Gateway that in-
cluded the remaining amount of GAP fees for the full original term of the finance agreement and received the full payoff amount from Gateway.
Ratulowski filed a class action against PNC in January 2022 for knowingly collecting and unlawfully retaining unearned GAP fees. PNC moved to dismiss the complaint, and, in a previous opinion, the U.S. District Court for the Northern District of Indiana granted the motion in part and denied it in part, allowing Ratulowski to proceed with his breach of contract claim but striking the class allegations.
Ratulowski filed an amended class action complaint, alleging breach of contract, violations of the Indiana Uniform Consumer Credit Code, and a claim for money had and received.
PNC moved to dismiss the IUCCC and money had and received claims and to strike the class allegations.
The court granted the motion to dismiss but denied the motion to strike.
The court first addressed Ratu-
lowski’s claims against PNC under the IUCCC for violating the federal Dodd-Frank Wall Street Reform and Consumer Protection Act and for not having GAP fees approved by the Indiana Department of Financial Institutions.
The court dismissed these claims as time-barred by the IUCCC’s 1-year statute of limitations that began to run in April 2020 when Ratulowski paid off his finance agreement.
In doing so, the court rejected Ratulowski’s argument that his claims were subject to the IUCCC’s 10-year default statute of limitations.
Next, the court turned to Ratulowski’s money had and received claim.
The court found that the equitable remedy of money had and received, which is similar to unjust enrichment, was precluded because there was a contract between the parties.
Finally, the court addressed Ratulowski’s class allegations for breach of contract.
The court rejected PNC’s argument that the class action would be unmanageable because individualized inquiries would be needed to determine if each consumer’s contract contained similar cancellation and termination provisions as Ratulowski’s GAP contract and because GAP administrators or dealers, as collectors of the fees at issue, may have to be joined as parties to the case.
The court determined that PNC has not shown that the “class allegations are facially and inherently deficient” and concluded that whether class certification is warranted would more appropriately be decided after discovery.
This case is still at the beginning stages, and whether the breach of contract claims can proceed on behalf of a class has not yet been determined.
Nevertheless, this case should serve as a reminder to check your GAP refund policies and state law whenever a consumer’s contract is paid off early to determine what, if any, GAP refund is due, who is responsible for initiating that refund, whether administrative fees can be deducted from the refund, and other issues involved in making the refund.
Ratulowski v. PNC Bank, N.A., 2024 U.S. Dist. LEXIS 134189 (N.D. Ind. July 29, 2024)
needed to scale the business, along with an increasingly competitive robotaxi market.”
GM announced it “intends to combine the majority-owned Cruise LLC and GM technical teams into a single effort to advance autonomous and assisted driving.”
Barra said GM won’t be in the robotaxi business today as it is a capital-intensive business.
“We’re still committed to autonomy but we’re taking a different path,” Barra said.
She also bristled at how some pigeonhole GM into a narrow identity.
“A lot of people want to put us in this ‘legacy car company’ basket,” Barra said. “We’re not ‘legacy.’ If you think about it, we’re distinguishing ourselves in the industry by having a very forward-leaning, broad (company). Our EV portfolio is strong (as is) our ICE portfolio, giving consumers a choice and
we’re constantly working on how to have a strong business today but innovate for the future.
“We’re going to be around for the next 100 years.”
What about the next four years?
Muller asked about Presidentelect Donald J. Trump and how his next term will affect GM and the auto industry.
“What did you learn from Trump 1.0 that will affect how you deal with Trump 2.0?” Muller asked.
Despite the challenges during the first term, Barra said, especially with COVID and the chaos that came with it, there is common ground with Trump and the business community.
“I think we’re very goal-aligned, in that we want a strong economy,” she said. “We want a strong manufacturing base in this country; I think we’re very aligned there. We both agree that the auto industry is
important and the jobs that the auto industry provides and the indirect jobs from doing business in this country.
“So, I think there’s a lot that we can work on.”
She added anytime there is an administrative change there are policy changes that occur.
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“We’ve worked with every administration for the last several decades and General Motors will continue to do that,” Barra said. “I’m actually looking forward to working with the President and with the administration because I think we can grow the importance of the automotive
Continued on page 6
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OEM News
1/20/2025
GM – Continued from page 5
industry and manufacturing. I think there’s a lot we have in common.”
Muller followed up asking how working with Trump behind the scenes differs from President Biden.
“I think with both you’re having actual conversations and a lot of my role as a CEO is to help people understand what the implications are of some of the things that we’re talking about; what’s realistic and what’s going to do something that’s good for the economy – good for jobs – and what might have unintended consequences,” Barra said.
“That’s what we did working with the Trump administration and that’s what we did with the Biden administration and the Obama administration before that. That’s what we’ll do with the second term with Trump and his team.”
Muller asked about Elon Musk’s role within the Trump administra-
tion and whether he’ll be more focused on how to help Tesla more than other automakers.
Barra, who said she knows Musk and has spoken with him on a number of occasions, speculated on what Musk might offer in a Trump administration, especially in the area of DOGE (Department of Government Efficiency).
“If you look at some of the bureaucracy and regulations that are impacting many, many industries, there is ample room to have streamlined processes,” Barra said. “I mean permitting is one example.”
She said businesses want to do what’s right for the environment, but that doesn’t mean it has to be inefficient.
“Right now, the permitting process is done serially,” Barra said. “If everything has to be done in a series instead of in parallel, then you find yourself in a situation where it takes
you 10 years to get permits approved to do something.
“I think there is room where we can make the processes still accomplish the goal but much more efficient and allow companies to succeed.
“I feel very confident that the Trump administration recognizes the importance of the entire industry.”
Barra said GM is scenario-planning for any potential Trump policies that may affect auto manufacturing and will adjust accordingly.
For example, GM has planned to bring in plug-in hybrids to the U.S., something it has added to its powertrain mix.
“We fundamentally believe that EVs are better,” she said. “We really think that the consumer – when there’s a robust charging network and when EVs are affordable and in these segments that fit their life-
styles, they are going to choose EVs.”
But there remains a fundamental challenge.
“There definitely aren’t enough chargers right now,” Barra said, despite the Biden administration dedicating over $7 billion to the project.
The Washington Post reported in May that only seven charging stations have been built out of a promise to install 500,000 by 2030.
“People will adopt EVs when it works for them,” Barra said.
“What I’ve said all along to the Biden Administration and to President Biden, is that we can’t get ahead of the consumer. Once we get ahead of the consumer, that’s when we risk harming the industry.
“Because if you’re trying to sell something that the customer doesn’t want to buy, it’s not good for business and it’s not good for the consumer.”
Retail Markets
1/20/2025
NEW MEXICO
Joe Mailander, general manager, Sunset Auto Center, Las Cruces, N.M.
“I’ve been in this business for 40 years. I started as a salesman, then a used car manager at a Dodge store. I turned that into a 20-year position where I took an El Paso Dodge store from 70 cars a month to 220 a month on a regular basis. I’ve been here coming up on two years.
“The independent world has been very interesting.
“I have 30-35 saleable units at any given time. We average about 17-18 sales a month.
“We’re about 60 percent truck sales, 40 percent cars and vans. The No. 1 selling truck in this area is the F-150.
“We go to auctions and we also buy online. There’s a Manheim just outside of El Paso and there’s also an
America’s.
“We do a little bit of buyhere, pay-here. We absolutely use GPS systems. We do not use starter interrupts.
“As far as down payments, if I had to throw out a number I’d say around $2,000.
“Last year my average recon came in pretty close to a grand.
“Right now, the bulk of my inventory is in the 2012-2019 range. The average mileage is just over a 100,000.
“I think the new year will be better than 2024. The change in Washington is going to help, it’ll trickle down to the independents like us.
I think business is going to pick up for just about everybody. Wages will see a bump. Recently we have done more conventional financing and second-chance financing with the Westlakes and the CAPS and those guys than we ever did.
“I just delivered an ’08
Honda Accord to my older sister and her husband. I drove to Albuquerque on New Year’s Day. It had 180,000 miles but it was a street buy and it sold for $8,000.”
SOUTH CAROLINA
Michael Yarborough, owner, Car Check Auto Sales, Conway, S.C.
“We’ve been in business 12 years, all in the same location.
“The challenges that we’ve been facing the last couple of years, which are finding the right inventory at the right price and reconditioning, those are always an issue.
“We do mostly buy-here, pay-here so our emphasis is on down payment.
“The price of vehicles has gone up and I haven’t really seen them plateau like people were predicting.
Sometimes it’s hard to pass on the increased wholesale price to the retail price. The BHPH dealer tries to make it up in financing whenever you can.
“It doesn’t seem like people’s paychecks are increasing with the other inflationary pressures. Everything is more expensive, not just cars. But the new-car dealers and manufacturers always seem to find a way to move inventory.
“Whenever someone comes on the lot and asks what the down payment should be we sort of break the ice and tell people we ask for about one-third down.
“If it’s a customer we know or a repeat customer, we have some flexibility if they’ve got something to counter-balance like income or job longevity A homeowner is one of the things we look at.
Compiled by Ed Fitzgerald
“We used to put GPS on just about everything, but now we put them on about half of what we finance. If we know the customer or if they live within 7 miles we might not.
“I probably buy about 50 percent online and 50 percent at auctions.
“Our reconditioning costs can go from zero to a lot. I would say the average we spend is in the $400 range.
“There is some optimism about the recent election, the general mood seems a little more optimistic, it just hasn’t translated into people having more money and being able to buy a car without a whole lot of financing.
“But I think there is a current of optimism about how things might be in the coming years.
“The last car I sold was a 2014 Chevy Express work van, the price was $9,995, it had 214,000 miles.”
Wholesale Markets
1/20/2025
CALIFORNIA
David Aahl, vice president, North Bay Auto Auction, Fairfield, Calif.
“Our volumes have been up. It was surprisingly good during the holidays, like, better than I thought it would be and today (Jan. 9) was red hot.
“With our sales coming the day after (each holiday) I didn’t think they would be good, but it was surprisingly good. Today, our volume was good because we did have people who held back and didn’t run during the holidays.
“We ran about 510 to 520. Typically, I would say we’d run in the mid-400s this time of the year. So, we were definitely up probably 20% today.
“We’re about 70% fleet/ lease, which are repossessions, lease returns. We are definitely seeing a lot of re-
pos.
Our dealer consignment is about 30% and that’s predominantly new-car trades.
“I haven’t looked at today’s (conversion rates) but I’d say we were in the high 70s.
“Our average price across the block is about $8,800, up about 10% from this time last year.
“Overall, 2024 was good. I mean, it was a lot of work. We worked our butts off. But we added inventory in 2024 and the service we provide is kind of unique in this business, so people appreciate what we do.
“Dealers started appreciating the brick-and-mortar sale a little more and the full service that a brick-andmortar auction offers.
“The bank cars are still rolling in, so we still have the volume to sell.
“There’s some optimism that when the new (admin-
istration) comes in, it’s going to take a lot of the worry out of the consumers’ minds and people will feel more comfortable.
“Everything is so expensive right now, so it’s putting pressure on people.
“We feel pretty good about 2025. But we need the newcar dealers to start selling cars again. We need dealers to be healthy.”
PENNSYLVANIA
J.C. Gaughan, account executive, North East Pennsylvania Auto Action, Scranton, Pa.
“We are going on our 26th year. My father, Jim, is the owner.
“Christmas Eve and New Year’s Eve were on a Tuesday, which is our sale day. So we consolidated our lanes and did a sale on Dec. 30. We ran about 350 cars and had about 58% to 60% sale,
so it wasn’t a bad sale at all, considering we ran them on a Monday and our sale day is Tuesday. That’s just a testament to our buyers and their commitment to us.
“On Jan. 7, our first sale of the new year, we had about 480 cars. So, it was a big day.
“I would say our real sweet spot would be in the $5,000 to $9,000. If guys send us those vehicles, those will really hit home runs.
“Overall, our 2024 was good. We had our ups and downs. We handled some issues we needed to handle and set ourselves up for a great year and we’re excited about 2025.
“I’m also getting good vibes from dealers. I don’t know as much about the industry as some of these (long-time) dealers, but I can sense a good feel from them about this year.
“Our volume is about 90%
Compiled by Jeffrey Bellant
dealer consignment. The other 10% is fleet/lease, we have some banks that run with us. I’m trying to change that and get some more fleet accounts involved.
“I’m really confident in our dealer consignment and I feel that if you do well with them, which we do, that’s a green light for fleet/lease accounts to come in and be successful.
“We also have an underbody scanner in place now (Vumu.ai). We’re excited about it and hope our buyers like the images it produces.
“As I said, dealers are optimistic about doing more business this year and so are we. I’m excited to go out this year and capture new accounts.
“We’ve got AutoIMS and all the facilities that a fleet/ lease account would need and we’re raring to go.”
1/20/2025
2020
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ADESA Charlotte February 6, 20
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ADESA Cincinnati/Dayton February 4
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Manheim Atlanta February 6, 20
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Manheim Dallas February 25
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623-907-7000
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724-452-5555
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951-689-6000
Manheim Seattle February 5 206-762-1600
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Manheim Tampa February 6, 20 800-622-7292
Manheim Texas Hobby February 6, 20 713-649-8233
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ADESA Charlotte February 6, 20
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ADESA Golden Gate February 4 209-839-8000
ADESA Salt Lake February 25
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Columbus Fair February 5 614-497-2000
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Financial Services*
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Manheim Milwaukee February 12 262-835-4436
Manheim New England February 4 508-823-6600
Manheim New Jersey February 12, 26 609-298-3400
Manheim Orlando February 4, 18 800-822-2886
Manheim Atlanta February 19
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Manheim Dallas February 25
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Manheim Milwaukee February 26 262-835-4436
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800-822-2886
Manheim Pittsburgh February 26
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Manheim Seattle February 5 206-762-1600
Manheim Southern California February 6, 20 909-822-2261
Manheim Palm Beach February 12
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Manheim Pennsylvania February 6, 20
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Manheim Riverside February 13, 27 951-689-6000
Tony Moorby
Our broadcaster for television in Nashville was Comcast. We didn’t realize how lucky we were. I was recently back there with my daughter and her family, only to be reminded of how easy and sensible it is to navigate Comcast’s menus and access to streaming services; the Guide is sectioned into similar programs, one can scroll by full pages and surprise, surprise, the programs are numbered! So easy, you remember programs by their number; punch them in for instant access.
Not so here! Figuring out the access sequences, even for local stations is harder than quantum mechanics! Even the remote devices that come with the programming can range from having virtually nothing on them, to a Texas Instruments Scientific Calculator!
But after a year, as a reasonably intelligent human being, I’ve figured out a way to get to the various platforms – tedious though it is to skip through one program at a time; why is it the ones I want to watch are always at the end of the list?
Then there are the names of these programs; new, modern zippy-sounding names that don’t necessarily reflect what they do or show. ROKU, HULU (not dance lessons), FANDANGO (same), FUBO, SLING, PHILO (nothing to do with baking), PLUTO (not astronomy), TUBI, KWELLI, CRUNCHYROLL (wtf?) – I think there are over 125 in all.
It purports to be cheaper than paying for a full-service provider like Comcast or, here locally, Hargray (who, by the way, are changing their name to Sparklight
following a merger) who previously were hard to access and kept people in the dark! Cheaper, that is, if you only watch their programs but life isn’t like that; just when you spot a movie that you’re breaking your neck to see, you must cough up for another subscription, pay per view or rent. It’s easy to forget the pain of payment as the pleasure of watching what you want, when you want it gratifies the moment. But then it’s like ‘the tax man cometh’, tapping you on the shoulder for your money after your frivolous frolicking through filmdom! You likely end up spending more money than before.
Entering a ‘First Month Free’ agreement is even more insidious as you forget that kick-in date passes and your agreement stipulates that your commitment for
a year is automatically accepted. Do I want to go back to the days of watching a 19” screen secreted with a magnificent piece of faux regency furniture? Of course not. The thought of getting up to turn a knob to change the channel to one of 5 others before sitting down again seems totally absurd. Even worse – playing with the ‘rabbit ears’ to tune in to an elusive channel and obviate the snow that plagued so many transmissions being equally ridiculous.
I’m sure, given time, that I could come up with a few names for specialized TV platforms; cooking could be EATME, sports – KICKASS, weather – JIMCANTORI’S FOOLISHNESS er, oh, sorry SUNNYUP, Comedy –LARF, music – TOONS. You get the picture. You could have some real fun in the
adult-only category!!
Meanwhile Terry and I will indulge in our rather unseemly addiction to spy thrillers and revenge movies. The trouble is it’s now becoming harder to separate fiction from the everyday. Thereby hangs another excuse for one of my harangs!
