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Started By
Message
re: They Suspend Registration Now?
Posted on 10/11/24 at 7:24 am to lsudat10
Posted on 10/11/24 at 7:24 am to lsudat10
quote:
Louisiana insurance companies report to the government daily, so if you go a day without insurance, big brother will know about it.
and you better hope that if you change carriers it gets reported properly too.
Several years ago i change insurance companies. Never lapsed.
Had 3 vehicles and for some reason the DMV had it that one of them lapsed.
Took me a full day to clear it up just so i could renew my driver’s license.
0
Posted on 10/11/24 at 7:26 am to BK Lounge
quote:
Even vehicles that are stored away, or ‘up on cinder blocks’ ? if true, then i guess i learned something today.. but obvs doesn’t make a ton of sense since - while you shouldn’t let the registration lapse- if you are not driving the vehicle for a while then you cant cause an accident .
If you have a vehicle “stored away” or “up on cinder blocks” why does it need a license plate?
The government’s standpoint is that if you have a plate, you need insurance. It specifically says on the back of your registration that A) liability insurance was a requirement to receive the plate and B) the plate must be surrendered to OMV if liability coverage is cancelled.
There are cases where it screws people over - mostly forgetting to turn plate in after a sale or total - but that’s a bit different than cancelling because your vehicle was in the shop for a few weeks.
Posted on 10/11/24 at 7:29 am to Sidicous
We had a weird situation where the DMV insisted our client had turned in his plate on a car (and he had not). I cannot remember why that created a problem for him but there was some issue.
They called him a liar and said the plate was turned in so I had him remove the plate from the car and bring it to my office. I took his picture holding the plate. He took the plate to the DMV and said "how can I have turned the plate in if I'm now holding it in my hand."
The still couldn't figure it out so I had to go down and explain it to the DMV.
They called him a liar and said the plate was turned in so I had him remove the plate from the car and bring it to my office. I took his picture holding the plate. He took the plate to the DMV and said "how can I have turned the plate in if I'm now holding it in my hand."
The still couldn't figure it out so I had to go down and explain it to the DMV.
Posted on 10/11/24 at 7:34 am to PurpleandGold Motown
You should have taken out a student loan to pay for it.
Posted on 10/11/24 at 7:50 am to lostinbr
quote:
If you have a vehicle “stored away” or “up on cinder blocks” why does it need a license plate?
At one point i lived outside of the U.S. for a couple of years and stored my vehicle, and it didnt occur to me to turn in the plate or to even frick with the DMV at all- that would have just been one more hassle to add to my plate before departure…. BUT at that time i kept liability insurance anyway, just in case a tornado took down the storage facility or some freak thing like that, i would have at least recovered the value of my vehicle.. even so, if i didnt have insurance, it probably still would not have occurred to me to turn in the plate or to get the DMV involved .
Posted on 10/11/24 at 8:09 am to BK Lounge
I have dealt with this with parents who were in the hospital at the time of insurance renewal. In both cases I explained why insurance had lapsed and they were unable to use car.
Each time I was given an affidavit for them to sign explaining why the car was not in use. Didn't even need to prove the why, just had them sign affidavit and the fine was dropped.
In Mississippi I had not used a car for a couple years and stopped renewing tags. When I wanted to drive it again I signed an affidavit saying it was not driveable while untagged and was able to renew without penalty.
There's typically a work around if you research.
Each time I was given an affidavit for them to sign explaining why the car was not in use. Didn't even need to prove the why, just had them sign affidavit and the fine was dropped.
In Mississippi I had not used a car for a couple years and stopped renewing tags. When I wanted to drive it again I signed an affidavit saying it was not driveable while untagged and was able to renew without penalty.
There's typically a work around if you research.
This post was edited on 10/11/24 at 8:11 am
Posted on 10/11/24 at 8:10 am to PurpleandGold Motown
quote:
but it cost me an extra $200.
Only $200, consider yourself lucky.
Ex wife was handling all the bills before we separated.
She let mine lapse for a few days in the months before she asked for a divorce.
I went to get my driver's license renewed a few years later, and they charged me $750.
Posted on 10/11/24 at 8:18 am to Shexter
About a year ago I sold a car to a dealer and when I went to the Louisiana DMV website to find out how to turn in the plate it told me that I didn't have to actually hand in the plate, it gave me a form to fill out with plate number and some other info I don't remember now. I still have the actual plate and a copy of the form I submitted to the DMV.
Posted on 10/11/24 at 8:19 am to PurpleandGold Motown
This happened to us when we switched to GEICO a few years back. They tried verifying our bank account info the first month we had them. Something happened between them and Chase bank to make GEICO think we didn’t have an account. So GEICO immediately canceled our policy and sent me an email. I called GEICO the same day and straightened it out.
GEICO let LaDMV know our policy was canceled but never let them know it was reactivated the same day.
Fast forward 3 years, I go to renew my wife’s registration. DMV says we can’t renew because we don’t have insurance.
It took 3 days of phone calls and emails between me, GEICO and the DMV to get everything sorted out. I will say the DMV lady at the state office in BR was very nice and understanding.
GEICO let LaDMV know our policy was canceled but never let them know it was reactivated the same day.
Fast forward 3 years, I go to renew my wife’s registration. DMV says we can’t renew because we don’t have insurance.
It took 3 days of phone calls and emails between me, GEICO and the DMV to get everything sorted out. I will say the DMV lady at the state office in BR was very nice and understanding.
Posted on 10/11/24 at 8:21 am to lsudat10
quote:
Louisiana insurance companies report to the government daily, so if you go a day without insurance, big brother will know about it.
Louisiana will hit you with a $125 fine
Posted on 10/11/24 at 8:25 am to HeadSlash
quote:
Louisiana will hit you with a $125 fine
If only 1 day
quote:
Louisiana DMV fees for lapsed insurance are $125 if your insurance lapsed for 11 to 30 days, $275 if it lapsed for 31 to 90 days, and $525 for more than 90 days without insurance. The fees are subject to a cap of $850 if drivers are paying for multiple insurance cancellations in one day
Posted on 10/11/24 at 9:13 am to PurpleandGold Motown
If you let it lapse because you aren't driving it, you have to notify them. I stored my truck for 18 months once when I deployed. But I did a little research and found out you have to inform them.
It just takes a few minutes and it will save you money and frustration.
It just takes a few minutes and it will save you money and frustration.
Posted on 10/11/24 at 9:14 am to PurpleandGold Motown
quote:
So, went to the DMV to pay for my sticker for the year yesterday.
You don’t just do that online or through the mail?
This post was edited on 10/11/24 at 9:15 am
Posted on 10/11/24 at 9:20 am to BK Lounge
quote:
Maybe i am not clear on this, but i thought that if you had a vehicle that was paid for and parked for a while- even if registered with the government - you could go without insurance on it .. or maybe you just have to have liability insurance (?)
Probably answered already but you have to turn in plate
Posted on 10/11/24 at 9:34 am to proudertider
quote:
There's typically a work around if you research.
Old saying in Louisiana I learned from daddy, "son...work around with the dmv and find out."
Posted on 10/11/24 at 10:00 am to BK Lounge
quote:
Even vehicles that are stored away, or ‘up on cinder blocks’ ?
That’s why guys run antique plates, it makes your insurance like $65-200 for the year because it’s a low mileage, secondary car.
Posted on 10/11/24 at 10:04 am to PurpleandGold Motown
quote:
Actually...now that you mention it, I probably came out about 40 bucks ahead. Good point.
Wait.
$200 saved you $40 for a single month of insurance, which means you pay almost $2500 a year on a car that you had to have the fuel pump replaced on?
Does the insurance company at least pull your hair back?
Posted on 10/11/24 at 11:52 am to BK Lounge
quote:
Maybe i am not clear on this, but i thought that if you had a vehicle that was paid for and parked for a while- even if registered with the government - you could go without insurance on it .. or maybe you just have to have liability insurance (?)
In Louisiana, you either need to carry the minimum required coverage or you can temporarily suspend your vehicle registration by filing a "Vehicle Statement of Non-Use" with the Office of Motor Vehicles if you are not planning to drive the car and want to avoid paying insurance for that period; however, you must still maintain insurance coverage on the vehicle until you officially file the non-use statement with the OMV to be compliant with the law.
In case anyone needs it.
https://dps.expresslane.org/omvservices/NonUse/Index
This post was edited on 10/11/24 at 11:54 am
Posted on 10/11/24 at 11:59 am to BK Lounge
quote:
BUT at that time i kept liability insurance anyway, just in case a tornado took down the storage facility or some freak thing like that, i would have at least recovered the value of my vehicle
How would liability insurance help you if a tornado destroyed the vehicle…?
Posted on 10/11/24 at 7:36 pm to crewdepoo
quote:
had my car uninsured for a couple days once
no point in lying. that wasn’t your first uninsured rodeo baw.
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