Realizing that people weren’t buying cars because they feared losing their jobs, Hyundai now includes job loss insurance in the deal. Buyers who lose their jobs within a year taking delivery can return the vehicle to the dealership without damaging their credit ratings. An insurer pays off the loans. One problem with this scenerio: the insurance only covers the first year of ownership, while the loan likely runs for four or five. Still, Hyundai says it has helped move the metal.