Car insurance question

[The Franchise]

[ThaVirus]

Originally Posted by Pestilence

This is pretty funny and normally if agree, but I've almost had my license suspended twice now for the most ridiculous reasons.

The first time I got into a minor collision and elected to take an online driver's class to avoid points on my license. I ended up forgetting about it and never took the class. Luckily I happened to go to the DMV on the very last business day before my license was to be suspended for an unrelated reason. I was able to avoid suspension narrowly.

Then, I had a lapse in my insurance coverage. It was in between getting off of my dad's plan and getting my own so I figured as long as I didn't drive I wouldn't need insurance. Luckily, once again, I called Geico on the last day before my license was likely to be suspended and get a new plan.

The whole driving "business" is a bunch of ****ing extortion.

[LoneWolf]

Originally Posted by ThaVirus

Then, I had a lapse in my insurance coverage. It was in between getting off of my dad's plan and getting my own so I figured as long as I didn't drive I wouldn't need insurance. Luckily, once again, I called Geico on the last day before my license was likely to be suspended and get a new plan.

The whole driving "business" is a bunch of ****ing extortion.

What? The DMV was going to suspend your license for not having insurance?

[ThaVirus]

Originally Posted by LoneWolf

What? The DMV was going to suspend your license for not having insurance?

Like I said, I had been on my dad's insurance my entire driving life. I didn't have all the information about car insurance. I had assumed that I wouldn't need insurance as long as I wasn't driving. I wasn't aware that the insurance companies report you to the DMV after your insurance lapses.

That one isn't so ridiculous as my first example but more an example of how you could easily have your license suspended and not be some lowlife criminal

Get it?

[LoneWolf]

Originally Posted by ThaVirus

Like I said, I had been on my dad's insurance my entire driving life. I didn't have all the information about car insurance. I had assumed that I wouldn't need insurance as long as I wasn't driving. I wasn't aware that the insurance companies report you to the DMV after your insurance lapses.

That one isn't so ridiculous as my first example but more an example of how you could easily have your license suspended and not be some lowlife criminal

Get it?

I understand what you are saying happened. I was just unaware that that could occur. I have a 69' GTO that I stopped paying insurance on about 2 years ago because I'm rebuilding it with my Dad and it is completely tore apart right now. I never called to cancel the policy. I just didn't pay the premium when they sent me my 6 month renewal bill.

I know my license hasn't been suspended because I was involved in a traffic accident awhile back and they didn't haul me to jail.

[ThaVirus]

Originally Posted by LoneWolf

I understand what you are saying happened. I was just unaware that that could occur. I have a 69' GTO that I stopped paying insurance on about 2 years ago because I'm rebuilding it with my Dad and it is completely tore apart right now. I never called to cancel the policy. I just didn't pay the premium when they sent me my 6 month renewal bill.

I know my license hasn't been suspended because I was involved in a traffic accident awhile back and they didn't haul me to jail.

OK, my bad. You know you're a snarky douche often enough I thought you were trying to make jokes

But, yeah. This is from the DMV's website:

"An auto insurance lapse, whether intentional or unintentional, automatically designates you as an illegal driver. Failing to provide proof of auto insurance when stopped by the law carries heavy repercussions. Not only will you be fined, but also you'll face the possibility of having your driver's license and/or vehicle registration suspended. The penalties will be even more severe if you're involved in a car accident.

In addition, you'll also face possible repercussions with your auto insurance provider in the form of higher insurance rates."

"...By law, all car insurance companies are required to notify local DMV offices of dropped or lapsed insurance policies..."

I'm not going to pretend I know the specifics, but I'm guessing that maybe you've been in good standing with your auto insurance provider (paid on time and have a clean driving record) so they never reported you. Plus, I'm guessing you had other cars on a different plan? If that's the case, they're still getting money from you and have you on some type of plan so they probably didn't bother with reporting you. They wouldn't want to report you for not insuring a non-daily driver and lose your insurance policy on your daily driver/s in the process.

[Bugeater]

Originally Posted by ThaVirus

OK, my bad. You know you're a snarky douche often enough I thought you were trying to make jokes

But, yeah. This is from the DMV's website:

"An auto insurance lapse, whether intentional or unintentional, automatically designates you as an illegal driver. Failing to provide proof of auto insurance when stopped by the law carries heavy repercussions. Not only will you be fined, but also you'll face the possibility of having your driver's license and/or vehicle registration suspended. The penalties will be even more severe if you're involved in a car accident.

In addition, you'll also face possible repercussions with your auto insurance provider in the form of higher insurance rates."

"...By law, all car insurance companies are required to notify local DMV offices of dropped or lapsed insurance policies..."

I'm not going to pretend I know the specifics, but I'm guessing that maybe you've been in good standing with your auto insurance provider (paid on time and have a clean driving record) so they never reported you. Plus, I'm guessing you had other cars on a different plan? If that's the case, they're still getting money from you and have you on some type of plan so they probably didn't bother with reporting you. They wouldn't want to report you for not insuring a non-daily driver and lose your insurance policy on your daily driver/s in the process.

Eh, that doesn't mean your license is suspended. You could not own your own vehicle and still legally drive someone else's car. What they're talking about is the potential consequences of letting your insurance lapse and continuing to drive your own vehicle without it.

[98 SR20]

Originally Posted by LoneWolf

What? The DMV was going to suspend your license for not having insurance?

I was thinking the same thing. Do they suspend your license for not having insurance? I thought it was registration that got suspended?