Virginia is the same way. No insurance while you have the plates you get
fined. If you can prove beyond a shadow of a doubt that the car was
inoperable they MAY let you slide.
They spot check randomly. I got one earlier this year on my Midget.
Had coverage so no problem.
Ric Bergstrom, Richmond, VA
1973 Midget 1275 '88 240 Volvo '92 F150 '74 Midget 1275
(apart!)
Central Virginia MG Classics, AMGBA, VMSC
On Mon, 13 Apr 1998 17:08:07 -0400 "Steve Byers" <byers@cconnect.net>
writes:
>Hi, Bill. Your statement made me curious about whether things had
>changed
>with State Farm, so I went to see my agent today. She confirmed that
>in
>North Carolina, the "Friend to Insurance" state, you either have
>liability
>coverage on your car or you turn in your license plate. And if you
>don't
>turn in your plate within some specified limit (24 or 48 hours, I
>forget
>which) after dropping insurance, the DMV will hit you with a hefty
>fine.
>State Farm does not have a reduced premium coverage in North Carolina
>like
>you do. The good news is that she suggested an alternative:
>transferring
>plates. I can drop the coverage on the Healey for as long as it is
>out of
>action, and transfer the plate to another car (turning in the plates
>on
>that car, of course). The fee is only $10, but it's a whole lot
>better
>than the liability premium. So.....thanks for inspiring me to check
>it
>out.
>
>Steve Byers
>Havelock, NC USA
>'73 Midget GAN5UD126009G "OO NINE"
>'66 BJ8 HBJ8L/36666 "TARHEELY"
>'63 BJ7 HBJ7L/20111 "HEALEYUM"
>"It is better to remain silent, and be thought a fool
>than to speak, and remove all doubt" -- Mark Twain
>
>
>----------
>> From: William M. Schickling <bugeye@dreamscape.com>
>> To: byers@cconnect.net
>> Subject: Re: Insurance
>> Date: Monday, April 13, 1998 9:04 AM
>>
>> Steve,
>>
>> Originally You wrote.
>>
>> >>> >What burns me is that in N.C., in order to keep the
>personalized
>plate
>> >on
>> >> >the car I have to maintain insurance on it. I haven't driven
>the
>car
>> >> >since September due to an engine rebuild, and am not likely to
>until
>> >next
>> >> >September. If I drive my cars one day a month, and they stay in
>the
>> >garage
>> >> >the other 29 days, I still have to pay the full amount as if it
>was a
>> >daily
>> > >driver.
>>
>> Maybe in NY it's different.
>>
>> What State farm allows anyone to do is go in and say I am not going
>to
>drive
>> my car for x period of time. They will reduce the the cost for that
>period
>> of time but keep the insurance at a level to allow you to keep the
>plates.
>>
>> I pay the $ 46.00 (that's two cars for six months) just so I don't
>have
>to
>> turn in my plates.
>> Of course the liability is very low, but there, so the DMV doesn't
>come
>> after me. If I want to drive the car all I have to do is call my
>State
>Farm
>> agent and tell them. The car goes back to full coverage that day.
>Otherwise
>> it would be $ 24.00 to keep comprehensive on the cars to cover theft
>or
>> damage that my home owners would not cover.
>>
>> Bill
>>
>> -----Original Message-----
>> From: Steve Byers <byers@cconnect.net>
>> To: William M. Schickling <bugeye@dreamscape.com>; Lancer7676
>> <Lancer7676@aol.com>; spridgets@autox.team.net
><spridgets@autox.team.net>
>> Date: Sunday, April 12, 1998 21:13
>> Subject: Re: Insurance
>>
>>
>> >Hello, Bill. What part of what I said is not true? Sounds like
>you
>put
>> >your cars to bed for the winter. I drive mine year round, and it
>is my
>> >primary transportation. So State Farm charges you "only" $46 to
>insure
>a
>> >car that is not being driven? Are you talking comprehensive or
>liability
>> >here? Liability is what I have to maintain in order to keep plates
>on
>my
>> >car, and I don't see where the liability risk is to the insurance
>company
>> >on a car that isn't mobile.
>> >
>> >Steve Byers
>>
>
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