can i be fined for taking car off my insurance policy

[band77one]

i recently removed my camaro from my insurance policy. I was just on the phone with USAA getting a quote for a policy from them and the lady told me i could be opened to fines from the state, is this true? has anyone ever heard of this ?

[V]

When i was in ny that was a big thing. any lapse of insurance would result in a fine from the state and possible suspension of license. In my experience, nj isn't that bad. As far as i know, the nj dmv would not be aware if you dropped insurance. They don't do regular checks with insurance companies. now if the insurance reports to the dmv, then that's a different story. Best but is when you pull the insurance, turn in the plates.
If you have vanity plates, i don't know what to tell ya. I have a pair, sold the car but i may want then for a future car so i kept them. i asked the dmv what to do to prevent back reg fees and they didn't know. told me to call trenton.

I know if you let the registration expire, and say a few years later you want to renew those same plates, they try to charge you for each past year it sat. in that case you just surrender the old ones and get new ones and then you dont have to pay back registration.

[band77one]

No it's registered I just took it off of the insurance. When I told them I wanted to take it off they never told me I had to turn in plates or anything

[NastyEllEssWon]

as long as its not on the street they wont do anything to you.

[L695speed]

I agree, one of my cars isn't insured, but I kept the plates on it. Been off the road for nearly five years now, never had a problem. As long as you're not driving it on the road, should be in the clear here in NJ.

[98RedRocket]

I had a similar issue a few years ago, NJ is very laid back, mostly because how govt. works here or better yet how it doesn't do anything..left hand doesn't talk to the right hand. As long as it's currently registered, u should be good. Insurance companies don't talk to the state. But I would try to keep insurance on it, do just liability if possible instead of both collision and liability.

[WildBillyT]

I had a similar issue a few years ago, NJ is very laid back, mostly because how govt. works here or better yet how it doesn't do anything..left hand doesn't talk to the right hand. As long as it's currently registered, u should be good. Insurance companies don't talk to the state. But I would try to keep insurance on it, do just liability if possible instead of both collision and liability.

:nod:

You'll need valid insurance to renew your registration as well.

[sweetbmxrider]

:nod:

You'll need valid insurance to renew your registration as well.

Do you? They just ask for the policy number written on the reg card or when renewed online. It doesn't tech mean its valid :lol:

[band77one]

The car is registered and it's only temporarily uninsured so I can save some money to pay a few things off this summer. Thanks for the info guys appreciate it

[ThoR294]

When my bird sat for 2 years I didn't do anything to it (no registration renewal no insurance) and I was fine. but I know for registration renewal you need an insurance #. If you keep the car hidden and no one complains, I am sure you will be fine.

[The_Bishop]

They play cute games with the registration, though. If the car sits unregistered for 2-3 years, when you try to renew it you need to pay for the 'expired' years, too.

[Dudbird113]

Always trying to bend the working class over

[zraffz]

I've heard of people having their license suspended for not returning plates but I'm not sure if that's from title switching owners or insurance being removed.
In my town, we can't have more than one unregistered vehicle so I usually title and register it but don't insure it and just don't drive it until I'm dome building it.

[NastyEllEssWon]

They play cute games with the registration, though. If the car sits unregistered for 2-3 years, when you try to renew it you need to pay for the 'expired' years, too.



Ive never had that happen in Jersey but California is like that. You gotta pay for all the bills over the years before registering it. Ive never heard Jersey doing that to anyone and Ive had over 20-30 cars in my life lol

[WildBillyT]

Do you? They just ask for the policy number written on the reg card or when renewed online. It doesn't tech mean its valid :lol:

Good point.

It would be insane if they didn't check.

So I'm sure they don't.

[ThoR294]

They play cute games with the registration, though. If the car sits unregistered for 2-3 years, when you try to renew it you need to pay for the 'expired' years, too.

This is correct.

[L695speed]

Good point.

It would be insane if they didn't check.

So I'm sure they don't.

They don't check, ever, but SUSH! Don't get them in on it. LOL.

[NJSPEEDER]

DMV has been supposed to be able to retain insurance info for several years now, although I have not heard of anything that can substantiate it. Best bet, if you are going to leave a car uninsured and it lives outdoors just throw a cover over it and you should be good to go. If it isn't an eye sore aitting out decaying with grass growing up around it that the neighbors or passers by can complain about then they will have no reason to check.

[rockbox]

Never heard of the state fines, I HAVE heard of insurance companies jacking up rates on people that allow their coverage to lapse.

[iroc86NJ]

If your car is uninsured AND currently REGISTERED it is very likely that your former insurer WILL contact the MVC and suspend the registration. After that happens, if lets say; you take the car out for a quick ride around the block, law enforcement can impound your vehicle and it will sit in an impound lot until you pay the suspension restoration fee, renew your insurance and bring the vehicle registration up to date. After all that is said and done you can then pay for the tow and storage fee.

[maroman88]

If your car is uninsured AND currently REGISTERED it is very likely that your former insurer WILL contact the MVC and suspend the registration. After that happens, if lets say; you take the car out for a quick ride around the block, law enforcement can impound your vehicle and it will sit in an impound lot until you pay the suspension restoration fee, renew your insurance and bring the vehicle registration up to date. After all that is said and done you can then pay for the tow and storage fee.

it can be impounded for not having insurance anyway.

[LTb1ow]

How could my own vehicle be impounded if it never leaves private property?

OP: My car sat for prob a year or so with just registration and no insurance. No issues. Insurance didn't care or never noticed.

[BonzoHansen]

my 67 is insured but not registered!

[foxriderry]

This happened to me in NC where i allowed the insurance to lapse while switching insurance companies. I was fined, but I was able to weasel my way out of it while i was in the Marine Corps. However, I currently have a vehicle that is uninsured, and registered sitting on my property. No ones ever said anything to me.... and hopefully no one does

[NJSPEEDER]

This happened to me in NC where i allowed the insurance to lapse while switching insurance companies. I was fined, but I was able to weasel my way out of it while i was in the Marine Corps. However, I currently have a vehicle that is uninsured, and registered sitting on my property. No ones ever said anything to me.... and hopefully no one does

Buy a car cover. If no one can see the plates, no one can run the tags to see if the insurance has lapsed. Just weed whack around it when you cut the lawn, nothing looks more derelict or attracts more negative attention than a car with grass grown up to the door handles.

[maroman88]

How could my own vehicle be impounded if it never leaves private property?

that was in response to him saying if he took the car for a ride and got stopped for unregistered.

[Stevoone]

I'd be careful with USAA. My wife had them when we first met and her insurance lapsed for maybe 6 hours and they had already notified the state (shes was a PA resident at the time). She renewed the following morning and went to re-registered in NJ and was told that her registration was suspended for 3 or 6 months (can't remember how long it was).

To anyone else that has USAA. I would recommend getting a few quotes. My wife and I both have clean records and are both over 30 but USAA quoted us more than double what we were quoted from just about every other insurance company (for identical coverage). We even talked to an insurance rep from USAA and they couldn't figure out why the rates were so high. Not trying to bash USAA here, I have multiple accounts with them and wouldn't even think of switching.