Backdated car insurance: Can it be done?

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PostPosted: Tue Dec 18, 2007 9:48 pm   Post subject: Backdated car insurance: Can it be done?  

I stumbled across this website and was hoping you guys could clarify this...

I read a lot of car forums and this part was in the legal section of one









Quote:


Pulled over without car insurance? No problem!



All states in the United States require that you have auto insurance to operate a vehicle if you're caught without auto insurance you can lose your license for up to 6 months and/or a minimum of a $1000 fine.



There is a way to get out of this though. Depending on the state you live in, you have anywhere from 10-30 days to provide proof of insurance after an incident.



To go your local insurance dealer and ask if they offer Bond Insurance. If they offer Bond insurance, ask them if they'll backdate it for you. This means that they'll give you a card saying that you had insurance for previous months, when you really didn't. Of course, you're going to have to pay for these months. A Bond Insurance is an auto insurance that covers a particular driver with liability on any car that he drives the rates are usually high, but its often cheaper for people with bad driving records because it doesn't cover a particular car.



Once you get your backdated Insurance Card, you're home free.




Now, can is it possible to backdate car insurance? And if so, how often can it be done?

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PostPosted: Tue Dec 18, 2007 10:30 pm   Post subject: backdated car insurance can't be done!  

OH MY GOSH !!! Markymark WHERE DID YOU GET THIS?



It's so full of misinformation I don't know where to start! Shocked





First this is not true.....

Quote:
All states in the United States require that you have auto insurance to operate a vehicle
ALL states do not require ''insurance'' some only require financial responsiblity.....one of the ways to prove financial responsiblity is with a bond....but.......bonding requires a lot of financial information and pretty strict underwriting, and time.......(i had to be bonded twice-so I know what I'm talking about at least in the great state of Missouri)....



Quote:
If they offer Bond insurance, ask them if they'll backdate it for you
This is fraud and a felony!!!!!!!!!! I don't know any agent that is a big enough moron to do this! Rolling Eyes



Quote:
This means that they'll give you a card saying that you had insurance for previous months, when you really didn't.
OH MY GOSH!!!!!!!!!! AGAIN!!!!!!!!!





Quote:
Once you get your backdated Insurance Card, you're home free.
And you and the agent deserve to go to jail!



Serious what publication did this appear in if you don't mind saying?
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PostPosted: Wed Dec 19, 2007 2:20 am   Post subject:   

wow, even the everyday joe would know that this is not right.

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PostPosted: Wed Dec 19, 2007 4:12 am   Post subject:   

Ohhh sry, my bad. Embarassed I read more into the thread and this was what the guy said. Is it still true?







Quote:
I took it for granted that this would go without saying, but I should also include that an Insurance Agent would only issue such a request if it was a typical traffic violation... he wouldnt backdate your insurance if you were in an accident or what not.

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PostPosted: Wed Dec 19, 2007 5:07 am   Post subject: Backdated car insurance policies are illegal  

I have to say that this is possibly the most ridiculous post I have ever seen in these forums. Anyone who actually believes it should either (1) committed to the asylum for the criminally/terminally stupid, or (2) get what they deserve when the agent/producer who actually committed this patently stupid, and frankly offensive act gets nailed.



This CANNOT LEGALLY BE DONE...ANYWHERE...PERIOD.



Sorry...just had to get in my opinion. Excuse me if this was ranting.



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PostPosted: Wed Dec 19, 2007 11:04 am   Post subject:   

Quote:
committed to the asylum for the criminally/terminally stupid,
Very HappyLaughing love that! Ins teacher!



Quote:
an Insurance Agent would only issue such a request if it was a typical traffic violation... he wouldnt backdate your insurance if you were in an accident or what not.
He'd damn well better not backdate ANYTHING! EVER!



Quote:
Excuse me if this was ranting.
This one is worthy of ranting in my opinion!



Quote:
Is it still true?
I don't know if it's ''true'' meaning if some idiot has/would do this...I do know it's illegal...and if I were an agent and you ask me to do something like this I would immediate contact underwriting and make sure you were never accepted as an insured, or non-renew you (or anyone making such a request) if possible....





OP again I ask you where did you read this?
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PostPosted: Thu Dec 20, 2007 4:14 am   Post subject:   

This is the forum. It's the first sticky thread. Feel free to reply. You have to subscribe first though! Confused







This is the website. Tried to link it with your site here but it wouldn't let me post it with the link





carforums.net/forumdisplay.php?f=111


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PostPosted: Thu Dec 20, 2007 10:43 am   Post subject:   

oh brother... Rolling Eyes the guy that posted that garbage (and more) is a 25 year old, car enthuseist...with NO insurance experience that i can see, although he'd a mod on that site, (which is scaring me) and is handing out legal advise all over the place!

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PostPosted: Mon Jan 05, 2009 8:22 pm   Post subject: insurace ticket  

what if you policy was only out for 1 day and u get pulled over pulling in to ur insurance agnecys office to make a payment and the cop still gives u a ticket Mad


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PostPosted: Tue Jan 06, 2009 12:02 pm   Post subject:   

That cop is a jerk or having a bad day and taking it out on you!



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PostPosted: Mon Aug 30, 2010 9:48 am   Post subject: Car insurance  

This worked for me just fine. I have only done it once, but they were really nice and if was only for like four day lapse.


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PostPosted: Mon Aug 30, 2010 3:14 pm   Post subject:   

Quote:
This worked for me just fine. I have only done it once, but they were really nice and if was only for like four day lapse.




BS!



No other way to state it in public -- maybe the color will be an additional clue. Rolling Eyes


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PostPosted: Thu Nov 18, 2010 9:09 am   Post subject: Hello  

Just wanted to take a second and say whats up to everyone. Looking forward to your forum and what everyone here has to talk about.


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PostPosted: Thu Dec 09, 2010 10:52 pm   Post subject: O GOD!  

First, why are you all so angry that someone can get a back dated policy. Ok, so it IS fraudulent... However, it is not half as illegal as FORCING someone to get insurance in the first place. Plus, IT'S NOT EFFECTING YOU IN ANY WAY! But this kid will be tormented by the penalties fallen on him. And if he didn't cause an accident then- no harm, no foul.

I'd also like to start by stating that I know that "the teacher" will publicly mock my statements, but it will make them no less true.

As an American, a TRUE American, I hold not with the idiots that use the emotional pleas to validate the absurd laws that are "for our own good" such as seat belt laws and the such. Seatbelts laws in laymen terms states that you, an adult, being of sound mind and body, are an idiot that does not know what is good for them; Therefore, the gov't must intervene and tell you how to live. Now, excuse me if I'm wrong, but Thomas Jefferson (you remember, the man that CREATED the idea that is now America) believes that the gov't does NOT know what's best for you. YOU know what's best for you (not to mention the rest of the forefathers that fought for this). The seatbelt law basically was created because most traffic accidents are MINOR accidents, parking lot mishaps, and what not. As a result, it IS better to wear your seatbelt. First, you don't get josseled around and get minor injuries. But mostly, It protects insurance companies for having to pay for these injuries- EVEN THOUGH YOU PAY INSANE AMOUNTS EVERY YEAR FOR THAT PROTECTION. They'd rather have your money and NOT have to give it back. But like I said, you always have the idiot that says... "THINK ABOUT HOW MANY PEOPLE DIE EVERY YEAR IN ACCIDENTS! SEATBELTS SAVE LIVES!" That might be true, but 1.)I know people who have died in car accidents because they got their head ripped off or their organs crushed by seatbelts. I was in a SERIOUS accident and if I had been wearing my seatbelt I would have at the very LEAST been paralized, because the car flipped and the roof crushed the seat that I would have been strapped to. My ex- boyfriend was in a serious accident and all of his injuries were sustaind by the seatbelt (which dug into his neck coming millimeters from severing his jugular, and breaking 2 of his ribs, and bruising his lungs!) 2.) If you decide not to wear your seatbelt and you get hurt, then that was your fautlt, and being an adult, you made a decision and you pay the consequence. And let's not rule out darwinism people.

Now that I have made the arguement that the gov't does not always know what's best for you, or the insurance companies that are in kahoots (sp?) with them, and only care about the money they receive- I'll make my second arguement about insurance.

Does anyone know anything about the mob? The mob used to go to stores and tell the owners that they needed to pay up so that they would be "protected". When the store owners would refute by stating that they were safe and needed no protection or could protect themselves, the mob would then throw a brick through the store front window and ask the owner "how safe do you feel now?" Of course, the person would pay for their protection from the bully. The gov't says- you need insurance to make sure that you are safe! The citizen states that they are safe and they have the driving record to prove it. And the gov't responds by locking you up, or charging you crazy fines, which if you don't pay, they lock you up. How safe do you feel now, America? Now again, the idiot would make the emotional plea that no insurance could hurt other motorists, which is true, but a logical fallacy all the same. As an American, you have the right to life, liberty, and the persuit of happiness (or at least, that was the original intention of this country) so long as you do not infringe on anyone else's same birth given rights in the process. Driving with no insurance does not actually hurt anyone- and there is no law that states you must face penalty for the probability or possibility of a crime. However, if you do CAUSE an accident (meaning if it is YOUR fault) then you can get hit with charges- such as retribution for damage costs incurred, or depending on the situation- reckless endangerment, vehicular homicide (like if your drunk or street racing). And if you cannot pay out of pocket the other person's damages- then probably negligence for not taking precautions such as getting insurance should this even occure.

Regulations, ordinances, and statuates are NOT law, but yet we follow these blindly everyday. Mostly because we've become accustomed to a certain way of life- the NEW American motto "I don't wanna deal with this so I'll let the government take care of it." As a result, they tell us what's good for us and we therefor comply. We are all victims that victimize ourselves.

Need another example? My best friend's girlfriend was in the hospital. He was racing to get there. He got THREE speeding tickets in the same day. (I believe this need not be said, but in all fairness- he seems like an idiot in that respect because it ended up taking him longer to get there because of being pulled over instead of just doing the limit, but he was acting on pure emotion and panic which I am sure everyone can sympathize with. I decide to just get it out of the way to agree with the fact that he acted stupidly so no one focus on that point as an arguement to deter from the bigger picture.) Now with that said, he had court for all three tickets in the same day, same court. So he goes to court and the prosecutor is ready to throw the book at him. Now, most of us would be scared and try pleaing to the prosecutor to go "easy" on them. But let's not forget that the prosecutor is working for the court. It's in his name- PROSECUTOR. He's not prosecuting the court, is he? NO. he's working for the court to prosecute YOU! So when it seems like he's cutting you a deal by reducing or eliminating points for higher fines- he's not. He's getting more money for his boss. My friend goes into court planning on, and succeeding at, getting out of all three tickets. Ticket 1.) He reitterates the point I made above that he broke no law according to bill of rights and declaration. Prosecutor stands up, and requests judge throws out all charges for ticket number one. Of course he went in depth, but she saw where he was going and knew that if the people had this information the courts would be forced to throw out tickets (and money) all day long, so she cut him off and had it dismissed because it was better for their pocket. Ticket 2.) To even make a speeding ticket legal the gov't has to go through miles-worth of paper work including crossing other law systems like maritime law. Now some would suggest by that statement that I am a conspiracy sympathizer or paranoid altogether. But let us not forget that many gov't started out well-meaning and good natured and turned into something ugly. Communism, anyone? As such, most cops don't even know about all the forms they must fill out to make the ticket legal. They get away with this because neither do the citizens, and they are scared. Courts pray on that fear as a way to dig deeper in your pockets. My friend asked the issuing officer to the stand (which most don't even know you can do) and asked him if he filled out what-ever form it was. The cop said he did. My friend asked where it was. The cop said that he didn't bring it. Just for fun, Charlie asked what the form looked like, and when the cop responded by describing the wrong form, Charlie jumped all over it. Again, the prosecutor stood up and threw out the case because if you can prove that the cops are incompetent at the simplest of actions, like paper work... well, you see where that is going. Ticket 3.) This one Charlie put up to the court to prove. He asked them to show the radar print out, or another officer to collaborate the story. Before he could show that the courts nor police could VARIFY his guilt (remember, innocent UNTIL proven guilty) the prosecutor for the third time stood up and asked the case be dismissed so others wouldn't catch on. Moral of the story: Don't be scared of the gov't or police or courts. You can beat them if you know your rights and their duties as officers of law.

Now I'm not saying that the kid that posted this isn't in hot water. He is. And I'm not suggesting that he do what my friend did because honestly my friend is great at that stuff and you need to REALLY know the law to pull it off. I am not passing out mis- information. Everything I have said is completely true- and I have nothing to gain by stating any of this, i'm not selling books, or giving you a way out for the low price of 3 easy installments of $19.99. I haven't told you to do anything illegal yet, like most of those books or advice does. I was simply appauled and disgusted by the "rantings" of someone that works for an insurance company (or at least that's what the name suggests). I am also disgusted by the people offering up kudos and following the one screaming the loudest. I just want to make the arguement on behalf of people who actually think for themselves and do not follow blindly the mindless nor want the gov't to "take care of it". This is more of a protest to the people that do... with lots of information that's TRUE- even though I know the screamer will shout that its misinformation and ridiculous.

To the kid that posted this: Get the back dated policy. The dude that told you that is right. Not ALL insurance companies will do it, but some will- unless you got into an accident and that's why you need it because NO WAY will those people pay if they don't have to. They give you a hard time even if you've been a valued customer for 30 years. Is it fraudulent? Absolutely, which is why the insurance companies that will do it will charge you more. Also, it would be better to not act like you know it's wrong... Say something like: I got a ticket and I had no insurance. I know it costs more for a backdated policy, but just how much would it run me? The company is more apt to work with you if you think it's perfectly legal which will lessen their tensions about getting later sued for such an action- and they know that they will get more from you without you thinking that you are bribing, or being bribed. I am going to say this just to see how mad everyone gets but: Once you get the card, stop paying. The cops have no way of knowing whether its valid or not, they just want to see an up-to-date card. Every year, pick a company, pay the intial, get the card, and be on your way. Now, I don't know what kind of driver you are and if you do get into an accident, then you are screwed. I just know that I've been doing it 3 years with out a hitch... but I haven't been in an accident, luckily. The point is: Who really cares if you get over on the gov't? They get over on you all the time. Don't feel like a bad person for wanting to get out of a ridiculous rule. There was a kid that spat on the sidewalk in some lower-economic country and publically got 50 lashes for it. Was that fair? NO. Did that gov't care? NO. and neither does yours as long as they get paid. The people on this site seem to suggest that you should just bend over and take the lashing... But in this case, the lashing could be jail time, $1000 fine, $250 to the DMV every year for 3 years, community service, loss of license, reports to insurance agencies which make it almost impossible to accquire insurance in the future, ect... And assuming you can't afford insurance you probably don't have money to pay the fines, nor can you afford to lose your license so you can't work, and you might lose your job if you do go to jail. It really violates your 8th ammendment (Excessive bail shall not be required, nor excessive fines imposed, nor cruel and unusual punishments inflicted.) And assuming you don't have insurance because your poor, I believe it is cruel and unusual to impose such penalties for being poor.

Years ago, the french cut off Americans middle finger to serve as a constant reminder of their tyranny. Americans who did not fall subject to such cruelty would hold their intact finger up to show the french "I'm still here. You can't hurt us all." Where's your middle finger at?

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PostPosted: Fri Dec 10, 2010 3:41 pm   Post subject:   

DEVONMIG, you said that I would be in to comment on this, and you're right. Here I am!



While I could take hours to point out the inaccuracies in your post, I think the posts stands on its own in terms of "rant" and mis-information.



I do not believe for one second that the prosecutor laid down as you claimed. Secondly, your rationale against being "forced" to buy insurance is plain, old ridiculous and speaks volumes of your ignorance of the law, of social and societal norms in general, and of the court systems, statutory requirements and both federal and state court proceedings.



Any person who has any true knowledge of this topic will run screaming from your comments crying "This is why Americans are considered stupid and ignorant in the rest of the world!" Your pleadings are nothing short of (1) uneducated, (2) the whinings of those who feel that they have been mistreated but in reality blame others for their problems, and (3) grasping at straws due to your own issues and potential life-mistakes.



The friend who went to court on the 3 tickets also has no clue. I would bet you my last dollar that isn't how it went down. Your take on the "paperwork" and lack of constitutional authority to do what cops do is absolutely ridiculous. Strike that... it's completely off-the-wall and totally inaccurate.



Finally, the bit about "backdating?" YOU CANNOT BACKDATE AN INSURANCE APPLICATION IN PROPERTY AND CASUALTY INSURANCE!! It's against the law...and fraudulent. In other words, for the terminally language impaired- this means that fraud is one crime AND backdating the app is a separate offense.



Sorry about my "rantings" in this reply. It's just that I'm right and you're wrong. What'cha got now?



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