Selling a vehicle and insurance

[chrisheltra]

If I sell my truck to a buyer can I cancel the insurance on it as soon as I sign over the title and give the owner a bill of sale effectively making it his responsibility?

Just wanted to educate myself so I'm not going into ignorant and ultimately fucking myself if something were to happen after the sale.

[Harry]

Turn the tag in first. Then cancel the insurance. DMV can suspend your license for no insurance if you you don't. Then charge you a good bit to reinstate it.

[Carlrx7]

Personally, I waited and called my insrance a couple days after I sold my TBSS (just in case, i dunno some freak shit happened and I would still be covered), they back dated my insurance policy to the date it was sold anyways, win, win...

[BIRDMAN]

One would think that if you have a Bill of Sale (SC has "official" ones) signed and dated then there definitely wouldn't be any worry about backlash. However, I don't think you need to turn any tags in. All you need to turn in is that bottom stub that is perforated and you keep when you hand over a title. The tag you can transfer or keep later.

[BIRDMAN]

Turn the tag in first. Then cancel the insurance. DMV can suspend your license for no insurance if you you don't. Then charge you a good bit to reinstate it.

Why would DMV suspend his license if his tags weren't on the vehicle due to a sale, and subsequently, insurance?

It's not the seller's responsibility to insure the BUYER's car..

[Harry]

If you cancel your insurance BEFORE you turn your tag in, you have a tagged vehicle without insurance.

[Mike]

If you cancel your insurance BEFORE you turn your tag in, you have a tagged vehicle without insurance.

I'm not saying you are wrong but.....

I have never turned tags in on vehicles I have sold.

The problem comes up when you go to reinsure a vehicle you dropped insurance on. The Insurance company will ask for proof that you turned tags in during the time it was uninsured.

[1998ta__1991rs]

i sold a c10 a while back and forgot to turn the tags in, i got pulled over about 6 months later and my license was suspended for not turning the tag in. you have to turn the tag in if you drop insurance

[ForceFed4g63]

If you cancel your insurance BEFORE you turn your tag in, you have a tagged vehicle without insurance.

This is incorrect. I've sold probably 10 cars in SC and never turned in a tag. You can cancel the insurance the moment you sell the car.

[Harry]

This is incorrect. I've sold probably 10 cars in SC and never turned in a tag. You can cancel the insurance the moment you sell the car.

And I know it to be absolutely true. Why you ask, I had to pay $400 to get my license reinstated.

[ForceFed4g63]

And I know it to be absolutely true. Why you ask, I had to pay $400 to get my license reinstated.

Interesting, I've bought and sold many cars, been pulled over, registered all my cars, etc and never turned in a tag. Never had any issues.

[BIRDMAN]

1) SC titles have a bottom stub that you can tear off and turn in, that states you sold your vehicle, and though it doesn't constitute as "official" transfer it states that it serves to protect you, the seller. I believe you can turn that in instead of your tags..

http://i1128.photobucket.com/albums/m487/XSKYSOLDIER/17798A5A-2938-47C2-A660-F2BB8D31B9E9-7622-0000125461E247B6_zps16b7d850.jpg?t=1384572200

2) Your option isn't solely to turn in tags, since you can also transfer tags as well.

3) While I can't explain how Zac had that happen to him, the story doesn't make much sense to me: If he sold it then the other buyer should have put his own tags on it and/or registered it. If he didn't and just used bad tags then when they run the plates it would show the OTHER buyer's car or previous car, not Zac. However if they run the VIN, to see if it's stolen, they would find it to be Zac's, which a simple phone call or communication would clear up that he did in fact sell it, by way of a Bill of Sale or that bottom stub from the title, or having transferred or turned in his tags.

4) It just makes no sense, though maybe it's the law I suppose, that you would have to have insurance for a TAG that was on a vehicle you SOLD. The tag would be in your hand, not "driving" on the road.

[Harry]

Interesting, I've bought and sold many cars, been pulled over, registered all my cars, etc and never turned in a tag. Never had any issues.

I by no means am an expert on this situation. I only know what happened to me. I argued with the dmv. They could give 2 shits less. Had to pay the money.

[BIRDMAN]

FWIW: DMV.org (not scdmvonline.com) states that you must either transfer tags or turn them in. I couldn't find any information about insurance on a tag that was taken off a sold vehicle though.

[Harry]

When you cancel your insurance, the insurance company notifies the dmv. If you haven't turned in the tag, it is a bad time.

[BIRDMAN]

What if I sold the vehicle?

You must provide proof that you sold the vehicle before you cancelled the insurance policy. If you did not sell it before the insurance policy was cancelled. You must pay $5.00 for each day the vehicle was uninsured. If suspended at the time you sold the vehicle, you will also have to pay the $200.00 reinstatement fee.

Weird, doesn't say you have to have insurance on a vehicle/tag that you sold. Just that you have to take it off AFTER you sold it. So Chris will be fine to take off his insurance after he sells the vehicle. A Bill of Sale or that bottom stub on the title should suffice. You have 45-days to transfer that tag or turn it in.

[Harry]

Weird, doesn't say you have to have insurance on a vehicle/tag that you sold. Just that you have to take it off AFTER you sold it. So Chris will be fine to take off his insurance after he sells the vehicle. A Bill of Sale or that bottom stub on the title should suffice. You have 45-days to transfer that tag or turn it in.

You can get hung up on the fact that you can not find it all you want. DMV don't care. They will be glad to take the $400.

[BIRDMAN]

You can get hung up on the fact that you can not find it all you want. DMV don't care. They will be glad to take the $400.

Wut? I just gave you FACTS right there, straight from the SC DMV site. Want me to link it to you? I was being sarcastic with the whole "Weird..it doesn't say" bit.

Sounds like you should have hired a lawyer, buddy! Or there's more to the story that you've left out?

[Harry]

I will say this. Really my point is, if you sell your vehicle, do not wait to turn your tag in. If you sell it and then cancel your insurance, I would immediately turn in the tag. You should not have any problems that way. I took my tag and threw it on top of my tool box and honestly forgot about it.

[Harry]

Wut? I just gave you FACTS right there, straight from the SC DMV site. Want me to link it to you? I was being sarcastic with the whole "Weird..it doesn't say" bit.

Whatever. Two people gave real world experience. Do whatever you want to do.

[04ctd]

i used to NEVER turn in my plates (i have a HUGE stack - like 12 inches tall)

i turned in set few years back (ins company told DMV on me)
and they refunded the unused part of my property tax....

now, i turn mine back in :)

Chris, if you are concerned, have them call and put insurance on it before they leave with it. meet them at their bank, where they can get a fax of the new road card.

that way, you know their check is good, also.

[Darryl Buckner]

I have had the same situation as harry and zac. Turn in the tag first and keep the reciept then cancel the insurance, because they will suspend your license and its 400 bucks to reinstate your license. God help if you get pulled over with a suspended license, because not knowing your shit is suspended won't keep you from getting busted..:bigthumb:

[98Blackbird]

I can promise you that you want to turn in the tags before you drop insurance. The dmv is so backwards that you really can't predict what they will do or when they will do it. I operate an ALPR car and see many many tags suspended for insurance. Sometimes they suspended every car in your name and your license over it.



If I sell my truck to a buyer can I cancel the insurance on it as soon as I sign over the title and give the owner a bill of sale effectively making it his responsibility?

Just wanted to educate myself so I'm not going into ignorant and ultimately fucking myself if something were to happen after the sale.

[bambooi]

Harry is right. plus I always turn in my tag and get the receipt then I go to the tax office and get a refund on the taxes I've paid. the dmv will suspend your license for driving without insurance. they won't know you sold your car and they don't care. all they get is a notification from insurance. imagine how often they get that/excuses from people with poor money management. You can call your insurance company afterwards and tell them the date you sold it.

[GreebeanZ28]

I reckon i need to turn in the tag off my vette lol. Havent had the car for 3 months now. I had forgotten about it and litterally found it thursday in my garage.

[AverageJoe]

LOL @ $400! I did that once and only had to pay $115.

They must adjust the rate based on personality...

[MonteC]

Wes and jacob. STOP BEING SO DENSE!

If you cancel your insurance on a car, and dont transfer the tag you have to turn the tag in. The dmv WILL fine you and after a certain amount of days WILL suspend your license.

Happened to me. My license didnt get suspended but I had to pay 150 dollar fine before I could register any other cars.

The CATCH to this is it depends on the insurance company. Some companies report on a regular basis and some dont. Safeauto got me fined, allstate never did.

[Harry]

LOL @ $400! I did that once and only had to pay $115.

They must adjust the rate based on personality...

We'll, you must have sent somebody else to deal with your's then. My fine was recent also, don't know when everybody else's fines were.

[BIRDMAN]

the dmv will suspend your license for driving without insurance. they won't know you sold your car and they don't care.

This is what bothers me. You AREN'T driving without insurance. The tag is NOT on a vehicle.

For instance, I sold my '68 Corvette a while ago and kept the tag. I immediately got another vehicle after and bought a new plate and put insurance on it. So say I'm driving down the road...why in the world would I get a ticket for "driving without insurance" when clearly the car I'm driving is registered and insured?

[BIRDMAN]

Wes and jacob. STOP BEING SO DENSE!

If you cancel your insurance on a car, and dont transfer the tag you have to turn the tag in. The dmv WILL fine you and after a certain amount of days WILL suspend your license.

Happened to me. My license didnt get suspended but I had to pay 150 dollar fine before I could register any other cars.

The CATCH to this is it depends on the insurance company. Some companies report on a regular basis and some dont. Safeauto got me fined, allstate never did.

Dense? Nay. I quoted direct from the scdmvonline.com website that states this would happen if you took off the insurance before you sold the car.

Don't argue with ME, argue with THEM.

[Harry]

This is what bothers me. You AREN'T driving without insurance. The tag is NOT on a vehicle.

For instance, I sold my '68 Corvette a while ago and kept the tag. I immediately got another vehicle after and bought a new plate and put insurance on it. So say I'm driving down the road...why in the world would I get a ticket for "driving without insurance" when clearly the car I'm driving is registered and insured?

You will not get a ticket for no insurance. You get a ticket for a suspended drivers license. They suspend you license for not having the insurance on the car of which the the license plate is associated with.

[snakeplissken]

I can promise you that you want to turn in the tags before you drop insurance. The dmv is so backwards that you really can't predict what they will do or when they will do it. I operate an ALPR car and see many many tags suspended for insurance. Sometimes they suspended every car in your name and your license over it.

This.

The rest of you can argue until you're fingers bleed but unless it is a vanity tag you'd better turn it in.

[BIRDMAN]

You will not get a ticket for no insurance. You get a ticket for a suspended drivers license. They suspend you license for not having the insurance on the car of which the the license plate is associated with.

Ok, that make sense, BUT, as stated by the SC DMV site, so long as you can prove that you sold the vehicle then you won't be fined..

:edit: Shoultn't* be fined.

But apparently the DMV just blows major ass.

[Matts94Z28]

I didn't turn one of mine in and also had my license suspended after a few days.

[Harry]

This.

The rest of you can argue until you're fingers bleed but unless it is a vanity tag you'd better turn it in.

Funny you say that about the vanity tag. We decently got a specialty tag after renewing our regular tag. Got the new vanity and they told us to keep the regular. I just don't trust the dmv. Going to get my license checked Monday.

[MonteC]

Dense? Nay. I quoted direct from the scdmvonline.com website that states this would happen if you took off the insurance before you sold the car.

Don't argue with ME, argue with THEM.

Youre the one arguing.

Look at all the people that have had this ACTUALLY happen to them. Its not even an argument. Youre just quoting the website and telling everyone that actually has gone through this that they are wrong and they didnt get fined or get their license suspended.

Sounds pretty dense to me.

Everyone that has had this happen is trying to help Chris cover his bases because they dont want him to get fined or get his license suspended. You on the other hand would rather look at the dmv website and take it as the gospel instead of looking at real world first hand knowledge.

Once again. Dense.

[MonteC]

Just another example of you arguing JUST to argue. You need a hobby... bad.

[ForceFed4g63]

I wouldn't say I'm dense since I've been buying and selling cars for 13 years and never turned a tag in, and never had any repercussions. Hell I even asked a lady at the dmv if I had to and she said no, not as long as I canceled the insurance.

[MonteC]

I wouldn't say I'm dense since I've been buying and selling cars for 13 years and never turned a tag in, and never had any repercussions. Hell I even asked a lady at the dmv if I had to and she said no, not as long as I canceled the insurance.

Ive seen plenty of idiots buy and sell cars. Hell even I can do it. Youre also supposed to register every car you buy and sell, I dont. Will the dmv bust me one day? Maybe, maybe not.

telling some one that they are wrong when they have already been through the situation is the dense part. Just because it hasnt happened to you doesnt mean it wont.

Like me not putting titles in my name, am I going to tell some one they are "incorrect", and that "ive been doing it like that for years". Just because youve been doing something wrong for 13 years and havent been caught doesnt mean its correct.

[BIRDMAN]

Youre the one arguing.

Look at all the people that have had this ACTUALLY happen to them. Its not even an argument. Youre just quoting the website and telling everyone that actually has gone through this that they are wrong and they didnt get fined or get their license suspended.

Sounds pretty dense to me.

Everyone that has had this happen is trying to help Chris cover his bases because they dont want him to get fined or get his license suspended. You on the other hand would rather look at the dmv website and take it as the gospel instead of looking at real world first hand knowledge.

Once again. Dense.

No, jackass, I never said that they didn't get fined or get their license suspended. I'm saying they shouldn't have and suggested that if they provided proof that they sold the vehicle, as the DMV site states, then they might not have received said tickets. There are plenty of people who get charged or fined for something that if they fought it in the correct manner that it would have been dropped. Most people are intimidated by the court/law/authority and they'll just pay and move along.

Hmmm, let's see, take an asshat's word for something when the full details of his situation aren't even revealed or backed up by rules/law, or take the DMV's own website as being truthful and should be followed? Yeah, thanks mister computer screen but I'll go with the DMV's website. Are you the type that won't educate yourself as to what your rights/the law/rules are and will just take other people's word for it? Sounds like it. Shoot, I bet you wouldn't hire a lawyer because what do they know? You've met enough people on the street or online that can educate you better, right?

Just another example of you arguing JUST to argue. You need a hobby... bad.

Just another example of you being douche. :Finger2:

Ive seen plenty of idiots buy and sell cars. Hell even I can do it. Youre also supposed to register every car you buy and sell, I dont. Will the dmv bust me one day? Maybe, maybe not.

telling some one that they are wrong when they have already been through the situation is the dense part. Just because it hasnt happened to you doesnt mean it wont.

Like me not putting titles in my name, am I going to tell some one they are "incorrect", and that "ive been doing it like that for years". Just because youve been doing something wrong for 13 years and havent been caught doesnt mean its correct.

So Chris should take the word from an "idiot" that doesn't even register his car instead of a DMV website? Yeah, and I'm the dense one? Get the fuck out of here highspeed!



But here's how we will end this little tiff once and for all: When I get a response via email from the DMV about this debate. If I'm wrong then I'll gladly admit it, but will still maintain that you are just another sheep in society that ignorantly think's you know it all and doesn't believe in educating yourself about rules/law and will take other people's word for it. I quoted a legitimate source. You did not.

[Harry]

I would like to say life is cut and dry as you like to think it is. But, no matter how hard you try and argue it is, it isn't. The DMV seems to do what they want, when they want. They are not a government agency. They are a private business.

[BIRDMAN]

I'll agree with ya there.

[MonteC]

I really shoudnt do this, but I love how I cut you right to the bone. You get so angry!

No, jackass, I never said that they didn't get fined or get their license suspended. I'm saying they shouldn't have and suggested that if they provided proof that they sold the vehicle, as the DMV site states, then they might not have received said tickets. There are plenty of people who get charged or fined for something that if they fought it in the correct manner that it would have been dropped. Most people are intimidated by the court/law/authority and they'll just pay and move along.

Fight? Intimidated? I dont know about you Captain america but I dont have time to run to the dmv every other day to fight or argue with the DMV. Its much easier to just send a tag in, get a receipt then just cancel the insurance than risk having to waste time fighting the dmv. Like Harry said they are a private company, chances are slim that you will every "win".


Hmmm, let's see, take an asshat's word for something when the full details of his situation aren't even revealed or backed up by rules/law, or take the DMV's own website as being truthful and should be followed? Yeah, thanks mister computer screen but I'll go with the DMV's website. Are you the type that won't educate yourself as to what your rights/the law/rules are and will just take other people's word for it? Sounds like it. Shoot, I bet you wouldn't hire a lawyer because what do they know? You've met enough people on the street or online that can educate you better, right?

Ok cool, lets just go over the list.

Harry
Joe
Zac
Matt
Darryl
98blackbird
Van
Bobby
Gerald
Myself

All asshats, by your definition. Youre telling me that the DMV is NEVER wrong? They DONT make mistakes? Where the fuck have I been! Ill reiterate. Its much easier to turn the tag in and then cancel insurance then to take a risk of having to deal with the dmv. They are the bottomless pit of time wasters. All of us asshats are trying to keep chris from getting his time wasted or any hassle. He cant afford any lost gym time. He can go through all that BS the dmv says to do or take a nifty short cut and not have to worry about it.



Just another example of you being douche. :Finger2:


Indeed. So much rage. You must be an only child.



So Chris should take the word from an "idiot" that doesn't even register his car instead of a DMV website? Yeah, and I'm the dense one? Get the fuck out of here highspeed!

Lol, no I dont register cars that I plan on selling in two weeks and dont drive. Thats what we call "wes" stupid. Hes not just taking this idiots advice but the advice from all of the asshats above. Included in that group are a lawyer, and a fucking LEO. God damn, dialup why listen to them?!



But here's how we will end this little tiff once and for all: When I get a response via email from the DMV about this debate. If I'm wrong then I'll gladly admit it, but will still maintain that you are just another sheep in society that ignorantly think's you know it all and doesn't believe in educating yourself about rules/law and will take other people's word for it. I quoted a legitimate source. You did not.

How does that prove anything? It just proved that you read the dmv's website like anybody with a 4th grade education like yourself can do?

You can follow the beat of the dmv website if you want cowboy. The rest of us asshats found a short cut so we dont have any liability of getting hassled or getting our time wasted.

[BIRDMAN]

You're such a tool, Rob. I love ya. Have a good day.

[MonteC]

Same to you buddy! Catch ya in the next thread!

[Matts94Z28]

Lmao! @ Wes needing a hobby.

[TheWife]

Ive seen plenty of idiots buy and sell cars. Hell even I can do it. Youre also supposed to register every car you buy and sell, I dont. Will the dmv bust me one day? Maybe, maybe not.

telling some one that they are wrong when they have already been through the situation is the dense part. Just because it hasnt happened to you doesnt mean it wont.

Like me not putting titles in my name, am I going to tell some one they are "incorrect", and that "ive been doing it like that for years". Just because youve been doing something wrong for 13 years and havent been caught doesnt mean its correct.

When I said that I didn't know he had already been through that experience Rob. Also, by your logic, my personal experience doesn't count either? Even though it matches what the official DMV website says? This will be my last post in this thread, I hate the DMV too much to continue to argue about it lol. - Jacob

[MonteC]

When I said that I didn't know he had already been through that experience Rob. Also, by your logic, my personal experience doesn't count either? Even though it matches what the official DMV website says? This will be my last post in this thread, I hate the DMV too much to continue to argue about it lol. - Jacob

Sure your personal experience counts, but years of not getting caught really isnt a valid answer.

Chris ask whats the best way to not get a girl pregnant and you respond with "for the last 13 years we just bare back it and ive never gotten a girl pregnant".

Then Wes says ABSTINENCE IS THE ONLY WAY.

And everyone else says, Chris, dude, just wear a rubber.

Im sorry I called you dense bud, but I stand by everything I said about Wes. :bigthumb:

[MonteC]

Just for the record. Pulling out is not a valid answer. Pulling out sucks, I hate it. Id rather wear a rain coat on my penis then pull out.

[ForceFed4g63]

Lmao!

[Matts94Z28]

Just for the record. Pulling out is not a valid answer. Pulling out sucks, I hate it. Id rather wear a rain coat on my penis then pull out.

:hysterical:

[gearmesh, inc.]

Seems like on every vehicle I ever sold in SC, I remember coming across another DMV form titled "Notice of Vehicle Sold". I have always sent this in to the DMV address in Columbia, along with turning the tag in, and THEN canceling the insurance. I do this because I only care to stand in the DMV line just one time to get clear of all ties to the sold vehicle.

On the last car I sold, I stopped by the Berkeley County admin office to show them where I had turned the tag in so I could recoup my unused property taxes for the year. They said they had a new policy to where I had to show a copy of the Bill of Sale to prove I didn't own the car anymore. They said that the county found they were losing too much tax dollars by people just turning tags in and taking their cars off of the road and just letting them sit in their backyards. Bloodsucker move if you ask me! I thought Charleston county was getting bad when I left them, and now Berkeley county looks to be getting a greedy streak. It might be a sign to look for another county to go live in.

Some of you folks on here that decide on taking a street driven car off the road to do full time track duty may find that you are still on the hook for property taxes in Berkeley County. That is, unless you do some creative bill of sale work to a relative/friend in another county.....and then have it sold back to yourself without re-registering it.

[MonteC]

Oh. I need to edit my post.

[chrisheltra]

Cliffs?

[schardbody]

Cliffs?

Turn in your tag within a couple days of dropping insurance.

[MonteC]

Cliffs?

If don't plan on getting a new car, turn your tag in to the DMV get a receipt then call and cancel your insurance.

[bambooi]

If don't plan on getting a new car, turn your tag in to the DMV get a receipt then call and cancel your insurance.

Then go to auditors office and get tax money back. And yes they want a bill of sale too...

[MonteC]

Then go to auditors office and get tax money back. And yes they want a bill of sale too...

Free money!

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