Comments on: Car insurance question. Help desperately needed, please!?

By: Lost In The Stars

Lost In The Stars — Thu, 11 Mar 2010 05:10:59 +0000

I don’t see why your friends insist that they won’t show you proof of insurance since it takes 10 minutes to get it.
Period.
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By: Libraryanna

Libraryanna — Thu, 11 Mar 2010 04:49:59 +0000

Until you sign the pink slip (ownership documents) over to them, you could still be held liable in the event of an accident. You mother in law is wise because if they are driving the car and have an accident and no insurance, you get stuck with the bill. Don’t give them the car until you are paid and have the title transferred or at least proof of insurance.. Also, make sure you tell the DMV that you don’t own the car any more, otherwise you can get stuck for tickets, accidents, and such.

Most insurance companies will cover two cars for a few days while you are transferring one to the other, but you should call your agent and let them know what is going on.
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I’m a retired lawyer.

By: CwboyBill

CwboyBill — Thu, 11 Mar 2010 04:41:59 +0000

1) once you sell it (meaning that they have signed the bill of sale) you no longer have ANY liability attached to the car. Your mother in-law is just being over protective in case the new owners crash the car and try to say you are still the owner and have the car insured.
2) you can handle the insurance transfer over the phone — almost ALL companies give you an automatic 10 day grace period with a new/replacement car purchase. This gives you plenty of time to get by an agent’s office for photos if necessary.
3) Chill — this is done thousands of times a day with no problems at all.
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Claims guy

By: Locksmith

Locksmith — Thu, 11 Mar 2010 03:51:59 +0000

note: make sure you have a release of liability for your malibu!
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By: La_Serena

La_Serena — Thu, 11 Mar 2010 03:43:59 +0000

It should not be a problem for them to furnish you with proof of insurance. Perhaps it is an extra pre cautionary measure but all it takes is a quick phone call to their insurance co. they can email it to them, fax it to them, or send it snail mail.
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By: David W

David W — Thu, 11 Mar 2010 03:17:59 +0000

The steps you outlined are the right ones. Once your MIL called to add the Hyundai,it was covered, even if you don’t have the insurance card, and once you sell the Malibu, it’s no longer your responsibility.

You don’t have to be present for the verification on the Hyundai; calling the agent is enough. The agent should send you a copy of the change request adding it and cancelling the Malibu.
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