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reporter: hill shows us how it works. lenders and dealerships can monitor customer payments. when they are late, a warning is sent. they have 24 hours left of driving this car before it will not run. reporter: after a certain period of time, the car will be shut off. this is a truck we ve earlier disabled. and so now the consumer can come in the car and they ll try to start the truck and it won t start. reporter: candice smith says her lender allegedly shut down her car while she was driving down the highway. i didn t want to die. everything just became slow motion. reporter: cag acceptance says they dispute the allegations and passtime usa, the maker of the car, claims it s not even possible to shut down a moving car. it s a starter interrupt system and only disables the vehicle when the car is in the off position and not moving. cag acceptance did not admit wrongdoing and reached a confidential settlement with candice but her attorneys have filed a class action laws