Auto insurance

Alpha83

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Dec 12, 2007, 1:35:48 PM12/12/07

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Had an auto insurance question. My friend keeps his 2nd car in the
garage - does not drive it any more. Does he need to have insurance
on that. This is in CA.

Thanks.

Melinda Meahan - take out TRASH to reply

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Dec 12, 2007, 3:24:44 PM12/12/07

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In California, your car has to have insurance to be registered. If it
has nonoperative status, it does not need to be insured. Otherwise, the
state will cancel or not renew your car's registration if you cancel the
insurance and then it will cost bundles to get it insured again.
--
Every job is a self-portrait of the person who does it. Autograph your
work with excellence.

val189

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Dec 12, 2007, 3:35:02 PM12/12/07

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Why is he keeping a second car - as a backup? If he intends to ever
drive it, then probably he should be insured. I'd sell or give it away
and gain the garage space.

Dennis

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Dec 12, 2007, 3:44:03 PM12/12/07

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On Wed, 12 Dec 2007 10:35:48 -0800 (PST), Alpha83 <tap...@gmail.com>
wrote:

>Had an auto insurance question. My friend keeps his 2nd car in the
>garage - does not drive it any more. Does he need to have insurance
>on that. This is in CA.

I have a car that I don't drive often. I keep comprehensive coverage
on it (fire, theft, vandalism, etc -- less than US$100/year) and
suspend (not cancel) the other coverage. I have had no problem
keeping it registered and licensed. When I want to drive it, I just
call my agent and have the suspended coverage reinstated. This is
with Allstate in Oregon. Your friend may or may not be able to do
something similar in his situation.

Dennis (evil)
--
I'm behind the eight ball, ahead of the curve, riding the wave,
dodging the bullet and pushing the envelope. -George Carlin

Melinda Meahan - take out TRASH to reply

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Dec 12, 2007, 6:17:07 PM12/12/07

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Dennis wrote:
>
> I have a car that I don't drive often. I keep comprehensive coverage
> on it (fire, theft, vandalism, etc -- less than US$100/year) and
> suspend (not cancel) the other coverage. I have had no problem
> keeping it registered and licensed. When I want to drive it, I just
> call my agent and have the suspended coverage reinstated. This is
> with Allstate in Oregon. Your friend may or may not be able to do
> something similar in his situation.

It's closer to $100 a month than $100 a year to keep the minimum legally
required insurance coverage (I think it's 5/15 liability or something
like that) on a car here, and to keep it registered, you have to have
that liability coverage, or they cancel your registration, and then you
have to pay penalties to re-register it.

Robert

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Dec 12, 2007, 11:06:41 PM12/12/07

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Call DMV

clams casino

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Dec 18, 2007, 2:21:35 PM12/18/07

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Melinda Meahan - take out TRASH to reply wrote:

> Alpha83 wrote:
>
>> Had an auto insurance question. My friend keeps his 2nd car in the
>> garage - does not drive it any more. Does he need to have insurance
>> on that. This is in CA.
>
>
> In California, your car has to have insurance to be registered. If it
> has nonoperative status, it does not need to be insured. Otherwise,
> the state will cancel or not renew your car's registration if you
> cancel the insurance and then it will cost bundles to get it insured
> again.

The "bundles" of extra cost usually applies to the complete cancellation
of all one's insurance. There should not be a premium to again insure
that car at a later time, provided the owner has maintained insurance on
another car. It should be the same as buying another second car. Of
course the insurance company is obligation to contact the MVD so they
can hold up registration on that vehicle.