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fossprime
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| Number of Posts: | 2 |
| Registered on: | 1/29/2019 |
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Continuous coverage refers to the person being insured, not to the vehicle. It's used as indicator of risky drivers, it has nothing to do with the vehicle. Doing a year long statement of non use is only helpful if you have multiple vehicles.
I know geico will give you insurance ID cards for anything with a VIN... so if you need insurance for rental cars or as extra insurance while driving someone else's car, you may be able to walk around and get an insurance policy on some random cheap safe car you found parked somewhere.
Good luck filing a claim though, lying to your insurance can be cause for them to deny claims. I would only use that strategy to keep continuous coverage if I didn't own a car.
@Hogwartz
I have a spare subaru outback with annoying transmission problems, but I might use nonuse statements to get a Miata or BRZ to drive on summer weekends. While having a minimal increase in my car insurance bill over my daily Chevy.
I know geico will give you insurance ID cards for anything with a VIN... so if you need insurance for rental cars or as extra insurance while driving someone else's car, you may be able to walk around and get an insurance policy on some random cheap safe car you found parked somewhere.
Good luck filing a claim though, lying to your insurance can be cause for them to deny claims. I would only use that strategy to keep continuous coverage if I didn't own a car.
@Hogwartz
I have a spare subaru outback with annoying transmission problems, but I might use nonuse statements to get a Miata or BRZ to drive on summer weekends. While having a minimal increase in my car insurance bill over my daily Chevy.
1
re: Any cons to submitting a "Vehicle Statement of Non-Use"?
Posted by fossprime on 2/5/19 at 9:20 am to beauchristopher
R.S. 32:861.3
LINK
This seems silly. By the looks of it you could literally have a dozen cars without insurance, as long as you submit this statement at the beginning of the registration period and set it to expire at the end of the registration period. You would therefore only need to insure the car 1 day out of the whole year to renew your registration and do inspections.
From your stories this loophole seems to be feasible. This is GREAT for people with multiple cars... you can have a daily driver, take the truck out when you need it, get a full sized SUV for road trips and a sports car for summer weekends. You'd only have to pay insurance for the days you use it... The insurance company won't complain about not having continuous coverage as long as you have at least one car on your policy at all times.
If you talk to the DMV they may state it will be 3 days after you file until you can drop coverage, which contradicts the law, the form and expresslane. No one i've talked to has had issue with dropping the same day you submit the affidavit.
Form:
LINK
LINK
This seems silly. By the looks of it you could literally have a dozen cars without insurance, as long as you submit this statement at the beginning of the registration period and set it to expire at the end of the registration period. You would therefore only need to insure the car 1 day out of the whole year to renew your registration and do inspections.
From your stories this loophole seems to be feasible. This is GREAT for people with multiple cars... you can have a daily driver, take the truck out when you need it, get a full sized SUV for road trips and a sports car for summer weekends. You'd only have to pay insurance for the days you use it... The insurance company won't complain about not having continuous coverage as long as you have at least one car on your policy at all times.
If you talk to the DMV they may state it will be 3 days after you file until you can drop coverage, which contradicts the law, the form and expresslane. No one i've talked to has had issue with dropping the same day you submit the affidavit.
Form:
LINK
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