So I need to register my car this month, but I dont have insurance anymore. Things got tough and it was either rent or car insurance, I choose to have a roof over my head instead. I cant afford to pay the $1200 for my insurance right now.
I do however, still have the paper insurance card that says im valid till Feb. '07. I have to send a copy of this in as well as smog check to register for this year.
Does anyone know if they actually check for valid insurance? ie: call the insurance or check up on it to make sure its still good? Im assuming *hoping* that that would be waaaaay too much work for them to check every single person who's registration needs to be mailed in. But hey, you never know.
I do know that as of 2007, the DMV has to notify that I dont have current insurance though so.....
HELP! thanks. :)
& I know that driving with out insurance is one of the most stupid things I can do, I know this. and im doing all I can to save money to pay for it. Liablity at least.
2006-11-16 04:28:14 · 8 answers · asked by ScreenName 1 in Cars & Transportation ➔ Insurance & Registration
Okay, I got insurance right now, just to let you all know. Thank you for your input. I went to The General and found it for $71. Money I didnt have, which ment me getting a payday advance, but whatever. Now I can send it all in to the DMV w/o worry.
And btw, I knew ALL the repercutions of driving un-insured. Im not stupid, although I make stupid decisions. But thank you still. :)
2006-11-16 15:20:05 · update #1
Can you afford the tow bill and bail for driving without insurance and no driver's license? Many states require the insurance to report when it isn't paid, and they will revoke your license. Also many states now have a data base of insurance information that they check before issuing new registration. I wouldn't take the chance if it was me.
2006-11-16 05:21:27 · answer #1 · answered by oklatom 7 · 0⤊ 0⤋
Honestly, don't do that. Call GEICO. They have great plans for insurance and they start really cheap. The DMV does not check.
However, if you were to get into an accident and you provide the police officer with that policy number and insurance company, that insurance company will deny the claim. Lets say they go to sue you and it turns out you don't have any insurance. What will happen is they will continue to do their treatment and then sue their own uninsured motorist policy to recover for pain and suffering. Once their insurance company settles their cases, they will then come after you for ALL the money they have laid out.
That means you will get sued for every penny they had to spend due to your negligence.
Really, you shouldn't do that. It is fraud also. But you should just be aware that you can get sued and they will come after you. Hopefully you don't get into an accident, but if you do, at least now you know the consequence for driving without insurance. So don't do it.
By the way, you don't need full coverage. You can get the minimum liability, at least you will have some type of coverage. Go to GEICO.com and do a free quote. They really are cheap.
2006-11-16 05:25:39 · answer #2 · answered by Rica 82 5 · 0⤊ 0⤋
No, they usually don't check, but they do in some cases. Sending in false insurance is fraud and you could be prosecuted for it. Even though the paper is valid when you got it, you know it is no longer valid and if you send it in you are guilty of fraud. Getting caught without insurance can get your license revoked for a year and cost you several thousand dollars to get back, so think about it. Either way, the cost of getting caught is huge. Take a bus, ride a bike, get a ride from friend/co-worker. Don't be stupid.
2006-11-16 04:33:14 · answer #3 · answered by xorosho 3 · 0⤊ 0⤋
It depends on what state you're in. In Virginia when an automotive insurance policy is cancelled, the insurer has to notify the DMV.
Good luck
2006-11-16 04:37:33 · answer #4 · answered by koral2800 4 · 0⤊ 0⤋
I don't know about where you live, but where I live when they put your information in the computer at the courthouse it will tell them if you have valid insurance or not. If you can't afford to pay the hole premium just pay the down payment and make monthly payments.
2006-11-16 04:39:50 · answer #5 · answered by smoke 4 · 0⤊ 0⤋
yes i know for a fact that in states that have the insurance law in effect they do actually check on some of them,they might not check all of therm but since yours is still in effect it might not show up,but who know yours may be the one they check on,so id try and figure out a way to get the insurance back,good luck and i hope things get better,have a good thanks giving.
2006-11-16 04:34:50 · answer #6 · answered by dodge man 7 · 0⤊ 0⤋
If you can't afford to pay the whole premium right now, just tell the insurance co. you want to pay monthly. It will only add like $4 to your bill.
2006-11-16 04:31:25 · answer #7 · answered by Anonymous · 1⤊ 0⤋
THEY DO MOST CERTAINLY CHECK IF YOU HAVE INSURANCE IF YOU DON'T THEY WILL NOT ISSUE THE STICKER AND REGISTRATION THE DMV WILL ALSO ASK YOU TO RETURN THE PLATE IF NO INSURANCE IS IN EFFECT FOR 30 DAYS.
2006-11-16 06:20:12 · answer #8 · answered by ♥♥ lou lou ♥♥ 6 · 0⤊ 0⤋