Traveling with out insurance?

[chuckhs12]

I know that if your vehicle is licensed and financed by the banks, that they require insurance to be on the vehicles. the question I have is there a violation of the law if you do not have insurance coverage?

any comments or suggestions would be extremely helpful!!!!

thanks,
Chuck

[weasel]

All you need is financial responsibility. Search the forum for "bond" and scan the travel section.

georgia made it hard for people to get around the insurance company contracts. what they did was tie the insurance company policy to your vehicle vin number, thus, if your insurance lapses or you dont have any, a police can call in your tag and find out the tag is no good and no insurance and pull you over. what people in georgia can do is bring up the fact that the state under the constitution cannot force you to contract with anyone (insurance company) and travel with the bond.

[suijuris]

Originally Posted by weasel

All you need is financial responsibility. Search the forum for "bond" and scan the travel section.

Financial responsibility is what the state codes generally require. I recommend looking up the codes for the state in question to be sure.

However, chuck is talking about his contract with a bank, which has nothing to do with the state's laws. Chuck will have to read the contract (or proposed contract) in question to see which they require: insurance or proof of financial responsibility.

By not meeting the conditions of a contract, the only law being violated is the law of the contract.

Chuck, what do you mean when you say a vehicle "licensed" by the bank? Never heard of that before...

I say the best solution is to stop doing business with the banks, none of this would be an issue. But if you do or have done business with them, start studying your contracts! You may make some interesting discoveries! And you will certianly have a lot more questions, some of which can only be answered by the bank.

But we will certianly be here to offer our own explanations!

[chuckhs12]

Sui Juris,

This site is looking awesome.

I meant theat the vehicle is licensed in the state, not licensed by the bank. I should of been clearer on that point.

Thanks for all your feedback. I will do more research and the comments here give me a plce to start.

Thanks,
Chuck.

if your car is a automobile and not a motor vehicle, its a mute point anyway. states require insurance for motor vehicles, not automobiles. once u take your automobile out of commerce, all the statutes relating to motor vehicles dont apply anymore.

Also, too you can honestly say that you don't own the vehicle and, never have as the state owns the legal title.

And, if they give a ticket, they are in force and in effect, giving a ticket to the state, which of course, you return them to them as they are fining their own property.

free_martha

[weasel]

martha, have you tried that course of action?

and how do you take an automobile "out of commerce?"

[leatherlips]

One thing you can do to take it out of commerce is post a sign in the back window or some place it can be seen, that says "not for hire". I work every other weekend and pass a parked car on the route that has it painted in big black letters on both the front doors. You can't miss that, but a small sign taped in the corner of the back window will work.

California has you by the curlies. There is a provision in the law to prove financial responsibility by depositing a five figure sum with the State in lieu of an insurance policy. Last time I checked it was FRN 30,000.

I'm sure this group could poke holes in that requirement using equity arguments, but it makes it much harder to prove enforced contract.