Cars & Transportation: Insurance & Registration: “Question: I just moved fropm Indiana to ohio and lost my title and drivers licesnes how can I get bnoth for ohio?” plus 5 more |
- Question: I just moved fropm Indiana to ohio and lost my title and drivers licesnes how can I get bnoth for ohio?
- Question: Progressive Auto Insurance is forcing me to submit a salvage certificate to collect settlement money, is that legal? in Pennsylvania?
- Question: Can I be liable for my brother's accident?
- Question: Recently bought a new vehicle. Does my car dealer need proof of insurance to give me my license plate?
- Question: Swapping engines in jeep. smog question?
- Question: Would installing a KN apollo air intake affect insurance? UK based.?
| Posted: 17 Mar 2015 09:06 AM PDT Report AbuseAdditional DetailsIf you believe your intellectual property has been infringed and would like to file a complaint, please see our Copyright/IP Policy Report Abuse Cancel Report AbuseAdditional DetailsIf you believe your intellectual property has been infringed and would like to file a complaint, please see our Copyright/IP Policy Report Abuse Cancel Report AbuseAdditional DetailsIf you believe your intellectual property has been infringed and would like to file a complaint, please see our Copyright/IP Policy Report Abuse Cancel  |
| Posted: 17 Mar 2015 06:20 AM PDT Yup, that's legal. Lemmy give you some advice you can really use in situations like this. Insurance companies know the laws, in fact they know them very well. If something they're doing isn't 100% legal, they sure as hell aren't going to provide a documented paper trail confirming it. Insurance companies are a lot of things, but stupid isn't one of them. They know how to cover their legal butts. If you want to collect the full value of your car, sign it over to them and take their settlement. If you want to keep the car, you have to buy it back from them as a salvage vehicle. That's not just a Progressive rule, it's exactly how every other insurance company would do it. It's also the law. If the vehicle was deemed a financial total loss, it's a total loss. Financial is the only thing that counts, in fact. Any vehicle 'can' be fixed. If all you have that's still good is the rear view mirror and one door handle, any body shop can rebuild the vehicle around those parts. That's why dollar values are used to make the final decision on a total loss. Total loss means the cost of repairing the damage would exceed the value (or a legislated percentage of the value) of the vehicle in repaired condition. It doesn't matter what the damage is, where the damage is, or how it was caused. It doesn't even matter if the vehicle is still mechanically sound and safe to drive, because money is the only factor in the equation. They had to draw the line somewhere, and money is where it's drawn. And trust me on this, you do not want a salvaged vehicle. Unless you rebuild salvaged vehicles for a living, and you don't, you'll go through hell trying to get it re-certified for the road. I've seen dozens of guys do that very thing, and they all said the same thing: Never again. I've also seen grown men break down and cry just from the frustration of the re-certification process., because it's hell. The guys who succeed in rebuilding salvaged vehicles are the ones that do it as a business. They have a garage bay, a full set of tools and the knowledge & talent to use them. They know all the laws and procedures regarding the process, and they know how to work within them. They also know every parts guy and scrap dealer within 100km of their location, and they know a dozen mechanics and body technician who all owe them a favour. For anyone else, rebuilding and re-certifying a vehicle is just pure pain. |
| Question: Can I be liable for my brother's accident? Posted: 17 Mar 2015 05:33 AM PDT Nope, you can't be liable for anything in this situation. Your brother was involved, not you. The car he was in wasn't owned by you, nor was it driven by you when the crash happened. Your brother wasn't insured under your policy, or on any other policy for that matter. Whatever that claim is, it's not a liability claim. Before a liability claim can even be opened, you need to be served with a lawsuit. That's the only way liability insurance works, which is why it's called liability insurance. And you'd know if you were served with a lawsuit, so that's not it. It is possible, if you have PIP / Accident Benefits coverage on your policy, that it covers things like funeral expenses and family death benefits for immediate family. I said possible, because I don't have a copy of your policy in front of me. Call your insurance provider (agent, broker, whatever) and ask. They'll tell you what it is and what's going on. |
| Posted: 17 Mar 2015 02:56 AM PDT No, dealers don't really care unless you're financing the car through them. When dealers go to the licensing office, they just check a box saying they've advised you that insuring the vehicle is your responsibility. In some jurisdictions, they check a box saying the owner has confirmed valid insurance with them. If the dealer asks for proof of insurance before they hand you the keys, no big deal. You're required to have insurance (and printed proof thereof) the minute you drive off the lot, so just show them your insurance card on the vehicle. Or just ask your agent / broker to zap a confirmation over to the dealer by e-mail or fax (if anyone uses faxes these days), and Bob's your uncle. |
| Question: Swapping engines in jeep. smog question? Posted: 17 Mar 2015 02:40 AM PDT Report AbuseAdditional DetailsIf you believe your intellectual property has been infringed and would like to file a complaint, please see our Copyright/IP Policy Report Abuse Cancel Report AbuseAdditional DetailsIf you believe your intellectual property has been infringed and would like to file a complaint, please see our Copyright/IP Policy Report Abuse Cancel Report AbuseAdditional DetailsIf you believe your intellectual property has been infringed and would like to file a complaint, please see our Copyright/IP Policy Report Abuse Cancel |
| Question: Would installing a KN apollo air intake affect insurance? UK based.? Posted: 17 Mar 2015 02:17 AM PDT In the UK, absolutely yes. UK insurers want to know every little detail about any modification, no exceptions and no excuses. And they're serious about it. The UK is famous for two things: Picky-picky-picky insurance companies, and boy-racers. The insurance companies are picky-picky because so are the UK's laws governing that stuff. The boy-racers are... well, they're boy-racers. They buy a 12 year old subcompact with a sewing machine engine for $400 (my keyboard doesn't do pounds), throw $1600 worth of bling on it, and claim it's now worth $3000 when they wreck it. In fairness, boy-racers aren't just a UK thing. They exist everywhere, and they're just as annoying everywhere. Whether or not the after-market intake affects your price (it might, or it might not) doesn't matter, the thing that matters is full disclosure. That's a condition of every UK auto insurance contract, and it's a big one. |
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