My little sister (19) bought a truck and has owned it for 26 days. She had 30 days to get the tags changed, so dealer tags are still good on it. She didn't have insurance yet because she couldn't get insurance until she got the tags. Today, as she was leaving my house another lady ran a stop sign and t-boned her, totalling the truck. My sister was ticketed for no insurance- how much trouble is she most likely going to be in? We live in Tennessee and she's never been in trouble for anything before.
2006-11-10 10:57:38 · 8 answers · asked by Jennifer F 6 in Politics & Government ➔ Law & Ethics
It is a used truck- she owes 3400 on it still.
She was supposed to show them proof of insurance when she brought in her first payment next week.
2006-11-10 11:03:12 · update #1
She purchased from some little dealership that does their own financing.
2006-11-10 11:04:59 · update #2
The other lady was charged with wreckless driving.
2006-11-10 11:08:53 · update #3
if you are correct in saying she couldn't get insurance becuase of the tags she is in no trouble at all exept a hefty insurance bill for life
2006-11-10 10:59:49 · answer #1 · answered by Anonymous · 0⤊ 1⤋
Depending on how the contract was done.... When a vehicle leaves a dealership as purchased the selling dealership needs to either have ins provided by the buyer or implement their own (whats called a binder). These are usually good for anywhere between a couple of days or a whole month. If no ins was placed period it may be a bullet the dealership may have to pay (if a bank has not bought the deal yet)
If you paid cash then you just might be out of a lot of money plus the damages the other person involved in the accident may sue you for. It just all depends?
**Since it is still financed the dealership is in charge to make sure that the vehicle is insured either by them or the customer. She can only get in trouble for driving w/out a lic.. Her argument should be that A) the accident was not her fault B) she was unaware that the dealership did not provide her ins.
2006-11-10 11:04:04 · answer #2 · answered by rafael r 1 · 0⤊ 0⤋
Darn it. you could expect somehting like this. The lady who T Boned her's insurance company will proably try to collect from your sister. It is important that she shows up at her court date so that she does not get the conviction. If she doesn't go, then the insurance co. will go after her for damages. The lady ran the red light. She obviously got the ticket for failiure to yield. She would be at fault. However charges will be dropped on her if your sister doesn't go to court. If charges are dropped it will end up worse.
As far as her getting insurance now, it may be of no use since she is probably not driving the car. If she is get it insured right away and present the card at her court date. Which should be a seperate court date from the other ladies.
2006-11-10 11:07:27 · answer #3 · answered by profile image 5 · 0⤊ 0⤋
We bought a brand new truck on Sept. 1, on Sept. 4 it burned to the ground. But we had full coverage insurance on our other vehicle which paid the claim as we had 30 days from the date of purchase to add it. In CA, dealerships are not allowed to let the vehicle leave the lot without proof of insurance if you are financing it. You need to check the laws in your state....the dealership may have partial liability.
2006-11-10 11:15:32 · answer #4 · answered by Cinner 7 · 0⤊ 0⤋
1) was this a new truck or a used one?
2) you need insurance prior to purchase of a car. how did she buy the truck without insurance? You said she bought it at a dealership. If she dorve the truck without insurance SHE's in the wrong no matter what
the other lady's insurance company will fight tooth and nail not to payout because legally SHE wasn't supposed to be driving.
2006-11-10 11:01:47 · answer #5 · answered by wicked_wahine 2 · 0⤊ 0⤋
Whatever TN insurance laws are she has to abide by them shes is legally responsible. If it was the other drivers fault you don't have to worry about the truck or coverage but, it is the law you have to have it.
She could lose her driving privileges and or be fined. I know of someone who was jailed for it in Alabama.
Sorry
2006-11-10 11:02:00 · answer #6 · answered by Smurfetta 7 · 0⤊ 0⤋
You very own the automobile and each thing in it. in case you're taking products off earlier the appraisal the insurer is entitled to deduct the cost of in spite of is lacking. in case you're taking products off after the appraisal then you certainly're functionally committing fraud/robbery in case you do no longer recommend them you have carried out so. some insurers will mark-up a particular card or sticky label that is going on the windshield that could have a itemizing of what products have been on the automobile while they inspected it and the tread intensity on the tires and so on. while it gets to the salvage backyard and something is lacking they could start up asking questions. the main worry-unfastened merchandise I come across proprietors desirous to maintain are radios. I tell them they could have the radio and that i will value it with out radio or they could have the radio yet ask them to depart the unique production facility radio on the seat or located interior the comparable hollow interior the sprint it got here out of. it is by technique of the fact many radios could properly be transferred from automobile to automobile. comparable with wheels. Salvaging your battery or different kit could purely be smart once you're making plans on getting the appropriate comparable automobile as a alternative. otherwise it particularly is no longer of lots use to you till you are able to sell it. Your substantial issue is often going to be with the region the place the automobile is at. maximum shops do no longer prefer you extraordinary around for hours stripping your automobile of their lot or crawling around decrease than it with jack-stands and bugging them to apply their procedures and whatnot.
2016-10-03 12:23:14 · answer #7 · answered by alisha 4 · 0⤊ 0⤋