Whoops...wish I Had Insurance!

[Sticky Rice]

Originally posted by Kougar@Aug 26 2004, 09:10 PM
Also, could i get my permit/license in a motorcycle and ride that or do I NEED a driver's license to ride a motorcycle also?


They will not allow you to ride a motorcycle without a valid Drivers License... Some states go by driving points... Motorcycle License and Drivers Licnese both use the same points..

[Kougar]

Ok guys, thanks for all the advise. I should be pretty well covered now. :grouphug:

[finch63tsi]

all i have to say is good luck man!!! :goodluck:

[JDM]

Originally posted by TalonFiero@Aug 27 2004, 08:14 AM
OK, pretty sure no insurance is $280. 

Try this, it has worked for me in the past when I made a similar dumb mistake.  I called my insurance company, told them to put insurance on the car going back to a couple days before the incident.  They were happy to have me pay for days in the past.  :bounce:  I then had the insurance fax me the document showing that my car was covered at the time of the incident, it was dropped.

Jim
DON'T DO THIS!!! We almost ALWAYS do an insurance check with ALL major and local companies after a stop like this. We do this search while we do paperwork later that night, and we document this search for court. If you get post dated insurance and take that to court, you're sure to fuck yourself.

If you got away with this in the past, More power to ya... If you think it's worth a try, go nuts. I wouldn't. Just my two cents worth.

[SuperSleeper]

That would make sense if he took documentation to court, but couldn't he just bring it to the traffic violations window and have them write that part of the ticket off right there? I'm positive they're not that thorough there.

[Steeltwo]

Originally posted by Kougar@Aug 26 2004, 10:54 PM
Hence me saying i know i'm dumb for doing that, HOWEVER I got the parts for the quest to work 2 weeks after it was down. What the fuck was i supposed to do? Swap insurance right after it didn't work? Plus i have to have my DAD change it, as being 18 and having your own name on the policy is financial idiocy. What would you have done in this situation?

Oh, and thanks for the info Lightning.
Just think of the burden you could put on your friends and family if you were to get into a accident and hurt someone or get hurt yourself.

So the lack of a small hassle to your dad today could cause your dad some MAJOR financial and emotional strain if you were to get hurt tommrow.(it also shows that you are being responsible)

medical bills can pile up FAST. My friend was in for getting hit at a mere 25mph in a "daisy chain" accident. The one nights stay cost him 20 bones, cost his insurance 2500. And they only did a stupid scan and gave him some green cubed jello, shit didn't even have cool whip on it :-D



the people at progressive are great about insurance switching

they didn't even charge me when my svt was in the shop and I had to reinsure my dsm for 3 days.
the lady just said, call back before weeks end, and we probly won't even bill you for it.



now lets say someone hits me and they do not have insurance.

i'm going to put them into chapter 13 if I or anyone else is hurt. No second thoughts on my part.


but its good to know that you knew you were being illogical :banana:

[Kougar]

Good to see other people posting negative about this.... As Dane said a few posts back, i'm only looking for advice, which was provided by many people. Go make a new thread to flame me if you really feel the need to do so. I know the the consequences of my actions, if anyone else feels to the urge to vent, please do so on your own account and not on this thread.

ANYWAY...

The ticket says this:

IF YOU HAVE BEEN CHARGED WITH 'NO PROOF OF INSURANCE'...
you must show one of the following items to the court administration by the court date on your ticket:

1) Copy of insurance coverage card
2) Letter from Agent
3) Copy of insurance policy

The info sent must include the name of the insured, vehicle type, and proof of coverage for the date of the offense.
- You may provide your proof of insurance by mail, fax, or in person
- If you are charged with another violation (like the seatbelt one i want to FIGHT), please send payment for that violation along with your proof of insurance.


To me, this sounds like just getting coverage for the car AFTER the offense will not work, as JDM mentioned. So, now i'm back to not knowing what to do. I'm thinkin guilty with an explanation will get me a fine without license revokation (based on a clean record), correct? But will that raise insurance rates or have any other 'side effects?'

[FattyBoomBatty]

i got pulled over a year and some ago, and he axed for my insurance, and i pulled out the car and it was expired, and i was like, "i swear i had the latest card.. blah blah blah" and he wrote me a fix it ticket. then when i got home i looked through the golvebox and found the current card.

was your ticked like a fix it ticket where you show them you have it, and then they drop it? can that happen in your case?

[illz]

you're missing the point. had you called right away, and possibly if you call now, and say you have had your car up and running 3 weeks and need to have it covered, they will insure you FROM 3 WEEKS AGO and charge you for it

on a new car, you have up to 30 days to call your insurance company and they will backdate 30 days

i assume it's the same on resuming coverage

call NOW and get the insurance and ask for proof of insurance from that date.

[Kougar]

Well since i get insurance under my dad, I hda him swap insurance from the quest to the car i got pulled over in. That was Monday...I just told him to swtich it, not to "backdate" it.

It's lookin more and more like i'll just have to plead guilty and get a decent sized fine :razz2: