When you sell your car, the first thing you may think of doing is removing the car from your insurance policy. It is important to wait to remove the car from your policy until you are sure it is no longer registered in your name. In many jurisdictions you could get in trouble for having an uninsured vehicle, if the new owner has not registered the car in their name yet. Use the following guide to learn how to find out if a car is still registered in your name and safely remove it from your car insurance policy.
Gather the Proper Information
Before you go to find out if the car is still registered to you, you will need to have the license plates for the car and the vehicle identification number for the car. The VIN can be found on your insurance card that you have for the vehicle. You may need to return your plates to the local Department of Motor Vehicles when the car is no longer registered to you.
Visit the Department of Motor Vehicles
Take your plates, your driver's license, and the VIN to the Department of Motor Vehicles. The wait to be seen at the DMV can be a bit lengthy at times, so it is important to plan accordingly. Provide the teller at the front widow with your information and ask if the car is still registered in your name. If it is not, have the teller print off documentation that states that the car is no longer registered to you. If the car still is registered to you, you will need to contact the buyer and tell them to register the car in their name right away.
Remove the Car from Your Insurance
Finally, you will need to contact your insurance company once the car is no longer registered to you. Have them remove the car from your policy and find out the new rate that you will have to pay to continue to have coverage on your other vehicles. If you do not have any other vehicles, you may be able to cancel your policy altogether.
Keep the paperwork that you were given by the DMV stating that the car was no longer registered to you. If anything happens, such as paperwork getting mixed up, the paperwork will serve as evidence to support your case to the insurance company or any court of law that may try to fine you for having an insured vehicle even though you know longer owned the vehicle.
For more information, contact Fishel H N & Associates Inc Insurance or a similar company.Share