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 Posted: Tue Nov 25, 2008 12:30 am Post subject: Do insurance agencies write 2 year auto liability policies? |
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I am in Texas and a precinct judge in a small town is requiring me to provide her with proof of 2 years liability on my vehicle as a condition of not impounding my car for 180 days $15.00 a day, aside from the fines I KNOW I HAVE TO PAY because I violated a financial responsibility statute.
I have call numerous agencies and they have told me I am crazy and that this is impossible. Most will only do 6 months at a time. I am looking for a legal backing to take to court with me when I go to pay my other fines. Judge is stating that she will impound my car on site if I do not comply. I need help as the longest policy I can obtain is 1 year. Thank You |
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lemorecolette
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| Posted: Tue Nov 25, 2008 4:13 am Post subject: |
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I'm with you, Colette. I am not aware of a 2 year policy in the state of Texas. And I've sold insurance here. If you haven't done it already, call up an independent insurance agency to see if they have any options for you.
You might want to talk to your attorney about this one. Could it be a judge is asking you do something that is impossible to do? Or maybe the judge doesn't know you can't get a 2 yr policy in the state? It's hard to say without speaking with him or her.
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CarInsuranceGuy
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| Posted: Tue Nov 25, 2008 7:38 am Post subject: |
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| Quote: | | Could it be a judge is asking you do something that is impossible to do? Or maybe the judge doesn't know you can't get a 2 yr policy in the state? |
Strange,is it possible that the judge isn't aware of the difficulties? If, according to you, no company is ready to offer liability coverage for two years, how can the OP satisfy the task set before him? Definitely, the judge isn't doing it intentionally to impound his car, right?
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coffee&caramel
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| Posted: Tue Nov 25, 2008 10:34 am Post subject: |
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| Quote: | | I'm with you, Colette. I am not aware of a 2 year policy in the state of Texas |
I don't think any state will allow this, are you sure the judge didn't mean you need a guarantee of coverage like an SR22 or something?
Before going back to court be sure and take a paid up year policy along with atleast three letters from different agents stating this is impossible to do....
If you are attorney represented he/she should be helping you with this...
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Lori
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| Posted: Tue Nov 25, 2008 11:55 am Post subject: |
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It would be hard to write a two year policy wouldn't it. If one was written do they not have to gaurentee insurance at that price for two years? If thats so how can the insurance comapny be sure you weren't going to get into any accidents?
Lori, Whats a SR22? |
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fireyone
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| Posted: Tue Nov 25, 2008 2:08 pm Post subject: Thanks for your suggestions! |
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FYI-from what I have heard about this particular Judge and her jurisdiction, She frequently goes out of her way to make things as difficult as possible for any one that stands up to her. More comments later after all my reports are in for the day.Thanks everyone
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Colette
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| Posted: Tue Nov 25, 2008 11:32 pm Post subject: |
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I don't know of any carrier that will offer a personal lines automobile insurance policy with a policy period greater than one year. I think that there's some confusion here...and I am going to go with Lori on this.
I don't think the judge asked you to provide proof of the next two years' of insurance coverage. If that's the case, some judge got some learnin' to do! Lori brought up the idea of your SR-22 filing which could easily be required for 2 years.
An SR-22 is proof of financial responsibility, and is normally required to be filed in your state of residence to show that you are carrying insurance. This filing requirement is typically associated with major traffic infractions such as driving without insurance, reckless driving, DUIs, etc. and will be required to be filed for a period of time, generally 90 days up to 3 years depending on the situation.
If the insurance lapses, the insurance company will notify the state's Department of Motor Vehicles/Licensing. The next step is that the insured's license will normally be suspended due to the failure to carry the required financial responsibility, and then things get really ugly.
Certain states have legislated the authority to take vehicles, suspend registrations and go after violators civilly.
Ugly, ugly, ugly...
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InsTeacher
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| Posted: Wed Nov 26, 2008 12:07 am Post subject: |
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| It may be ugly but so would the situation if they hurt someone while drinking or while with out insurance. I actually think this is a good way to keep repeat offenders from driving if they do not have insurance. sounds like the State is doing there job in protecting people. Wonder what they do with the vehicles if they confinscate one? |
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fireyone
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