During this tough economic time, Hyundai Motor America has put together the Hyundai Assurance Program.

...people who finance or lease a new Hyundai during the next 12 months can return the car if they “experience an involuntary loss of income” within one year of the purchase date.

According to a Hyundai press release, buyers can return a vehicle for no additional charge within 12 months of purchase if any of the following occur:

-- Involuntary unemployment
-- Physical disability
-- Loss of driver’s license for medical reasons
-- Job transfer overseas
-- Personal bankruptcy filing by a self-employed worker
-- Accidental death

To qualify, the buyer must have made at least two scheduled payments on the loan or lease and be current on the payments, as well as pay the amount over the $7,500 negative-equity threshold. The value of the vehicle will be determined by the dealer, who will be allowed to re-sell the vehicle, Hyundai said. Returning the car shouldn’t have a negative impact on the customer’s credit, the automaker said.