Imagine this scenario.

You decide to buy a new car. You get together your $20,000 and head down to the nearest dealer. You test drive a few cars and decide to purchase. The Color you want isn't on the dealers lot, but he tells you he can get one for you from another dealership, you sign the purchase agreement agreeing to pay the sticker price. The sticker price shows the base price and a few options and a mandatory delivery charge. No mention of insurance.

The next week you show up at the dealership to pickup your car and it is smashed up. Seems that in delivery there was a little accident and your car is now a convertible.

Do you hand over the $20,000 and take the smashed up car because you didn't insure the car? Or do you believe that the Seller was obligated to deliver the car in new condition?