Byline: Maureen McDonald

Okay, you can take back that little black dress to Saks Fifth Avenue if your husband thinks it is too tight in the butt. You can return the gas grill you purchased from Costco because it's bigger than the back deck. But what happens when you try to return a car to a dealer lot because the black-on-black styling makes you feel like a harlot with chrome underwear?

"It all depends," says Marshall Vyletel, general manger of Vyletel Buick-Volkswagen in Sterling Heights, MI, where I bought my ill-fated '02 VW Passat in way too much of a hurry. How long would I have to repent? How much penance would I need to pay for momentary indecision?

I'd bought the car on a Friday night, rushing Vyletel's service department through its 112-point technician inspection so I'd have new wheels for the weekend. My '95 Jetta GL had sprung a massive oil leak, and its dependability was compromised. "Sell it while it still rolls," I thought.

Selecting the Passat the night before, without a glimpse of how it looked in daylight or a sense of how it handled on highways or fit into narrow urban parking lots, was short-sighted.

"Omigod, I've bought the wrong vehicle," I said to myself with repeated anxiety over a very long, stress-inducing weekend of mental chastising for not engaging in a thorough search-and-acquire mission.

Having owned VW Jettas for 20 years, driving each one to the ground, I didn't need Consumer's Reports to tell me what brand worked for comfort, style and zippy response. I'd checked prices online and honed in on a great deal. Now was time at last to upgrade to VW's bigger sedan. The Passat was a plush mobile with a bigger console and better suspension. But it wasn't zippy.

Buyer's remorse, when it comes to automobiles, is not all that common, says Vyletel, who retails more than 2,000 new and used vehicles a year. "Most customers know more than our rookie sales people about a vehicle because they do so much research on the Internet and in car magazines. Most of them take long test drives to be certain."

To be sure, the purchase of a car, unlike buying a dress, a barbecue grill or a computer, involves a complex piece of machinery that meets federal safety standards and factory operating standards. Customers sign up to 15 documents that, among other things, secure a loan and register the car with the state's motor vehicle licensing department.

Ford Motor Co. spokesman Dan Bedore says a vehicle title is a legal document that verifies current mileage and new or used condition.

The Utah Div. of Consumer Protection, on its website, www.commerce.utah.gov, stipulates there is no three-day rescission law that applies to motor-vehicle purchases. Few states have such a provision. California adopted one last year in a compromise that offered certain rights to consumers but didn't make dealers feel they were being duped into providing free three-day rentals.

Once a titled new car leaves the lot, it loses its virginity - so to speak - and at least $3,000 or $4,000 in value when titled as used. Dealerships may have more latitude with used vehicles, but the vehicle still must undergo an overhaul to assure its safety and operation upon return.

Car dealers base their credibility on selling functional vehicles. But a few retailers wrestle with how to satisfy a distraught customer.

Mea culpa! I'm not even blonde and I goofed up. "We probably get three or four a year - people who aren't happy with the radio system or overall style," Vyletel says. "We allow them to return the car if the sale happened within three days, mileage is low and they purchase another vehicle from us."

Studies conducted by CarMax, a dealership chain retailing 307,000 vehicles (mostly used) at its 67 stores across America in 2005, found 78% of car purchasers have wished they could return a car within the first few days of buying it. Only 22% of respondents to a study said they never experienced buyer's remorse.

"That's the reason why we continue offering a money-back guarantee for five days; it guarantees quality and comfort," says Trina Lee of CarMax.

The Richmond, VA, chain doesn't require the customer making a return to buy another product, noting it is quite a rare occurrence for their customers to return cars.

Randy Fox, a spokesperson for General Motors Corp.'s Saturn Div., says the brand offers a 30-day return policy, but few customers avail themselves to it. Other GM divisions don't follow suit.

"Customers have all kinds of opportunities to test drive a vehicle and warranties are so strong today that anything mechanical can be taken care of right away," says Susan Garontakos, manager of GM's dealer and field communications.

GM offered a 24-hour test drive in 2004 that let qualifying customers take certain vehicles home, show it off to the relatives and see if it matched lifestyle and horsepower passions. The high cost of administering the program to dealerships across the country didn't deliver enough sales to extend the offer permanently.