I received two of these "cancellation... lapse" in insurance things for two different vehicles. It's just down right ridiculous how nit picky this state is when it comes to laws. Don't get me wrong, I like Louisiana.. I just cannot stand the laws here compared to other states.

One vehicle I received it for was a vehicle I had sold. I cancelled the insurance when it broke down and was no longer usable.. so I listed it for sale. I sold it 11 days after I cancelled the insurance and even filed a change of ownership with the DMV/OMV. Well the letter I got states you aren't penalized if you sell the vehicle within 10 days of the cancellation.. I sold it in 11 days. 1 day past their grace period or whatever.

Any ways, it said I could still clear without a fine by turning in my tag within 10 days of receiving the letter/notice in the mail.. So we did that and they cleared it off our record and even let us keep the tag (it was a custom tag we bought)

The 2nd cancellation we received was for a vehicle that was also broke down but we were having fixed and when I spoke to my insurance company about what I could possibly do they suggested something called "in storage" So I said okay.. so it basically doesn't charge me for the duration I was going to have the vehicle repaired.. but it doesn't fully remove the vehicle from my policy. It was my understanding from them that this was not a cancellation.. and I could put the vehicle back on the insurance any time.. Well we had the vehicle fixed faster than anticipated so I called in to have the vehicle taken out of "storage" within only 1 week..

Several months later I now receive this notice of lapse\cancel in insurance.. because of that..

The thing is you have to have insurance on all vehicles you own or are registered, even if they do not operate, unless you file online through https://omv.dps.state.la.us/ for a vehicle statement of non-use.. but I wasn't aware of this.. so when I had the vehicle in "storage" I was suppose to have filed this which would have protected me against a showing of lapse/cancelled insurance.. even though I never cancelled and I was never late on paying my insurance.. Any ways, my insurance company still wants to clear it for me for not making all of this fully aware to me and they are the one who reported it.. however, every time they try to clear it on their end.. the DMV or OMV won't acceept however they are trying to correct it.. My insurance company has sent in a correction 3x's and they still won't correct it..

The point is, no other state I have been in has had such strict and technical requirements.. You aren't required to have insurance on vehicles you don't drive.. only when you are driving them.. It's ridiculous how nit picky these things are here.

But if anyone ever has a vehicle they own they aren't driving and don't want to pay insurance on.. I suggest filing the statement of non-use here LINK

Update: It's a penalty with the tag.. so basically they don't want you to have a registered tag to a vehicle you don't have insurance on.. so they want you to turn that tag in if you even temporary change your insurance.. still seems ridiculous.

and then trying to get these people on the phone is a tremendous hassle.

this is why i can't stand louisiana.. we are always among the few states that require strict shite.. regardless what it is.. this is just one example.

This post was edited on 10/16/15 at 2:11 pm