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My husband had a car that was insured, and it stopped working. He junked the car, took the insurance off, but never returned the plates to the DMV. I can't remember how long ago the car was junked but it was probably 6+months ago. Apparently the insurance company never notified the DMV of the loss of coverage, and his registration is still active. We never got any letters in the mail or anything. If he mails in the plates at this point, will there be consequences? He is afraid of his license being suspended since he drives for a living. I am wondering if when he returns them, will they check for the insurance and see how long it has been inactive. We would have to pay some pretty hefty fines if they checked the date of the insurance. Has anyone had experience in this or information about this? I'm hoping he can just mail them back and be done with it.
Even if one notifies the insurance, the registration of the car will not be canceled until the plates are returned to the DMV or one has brought to the DMV a police report that the plates were stolen (with or without the car).
Even if one notifies the insurance, the registration of the car will not be canceled until the plates are returned to the DMV or one has brought to the DMV a police report that the plates were stolen (with or without the car).
The issue is not notifying the insurance. The car no longer has insurance since the car no longer exists. My question is about the consequences of not returning the license plates sooner, since according to the DMV this car is still registered. If they look into it, we are afraid they will think he has had the car this whole time but uninsured.
Take the plates into a DMV center and surrender them. You will be given a two part slip which is your receipt stating the plates have been surrendered. It is up to you to send one part of that slip to your insurance company stating the car has been taken off the road, sold, or junked.
Interesting that you were able to cancel the insurance. My insurance company will not cancel the coverage until they get the DMV slip showing surrender of the plates.
Interesting that you were able to cancel the insurance. My insurance company will not cancel the coverage until they get the DMV slip showing surrender of the plates.
I too was wondering about that as I remember not being able to cancel the insurance without surrendering the plates years ago. The only way around it from what I remember was if the plates (with or without the car) were stolen and one presented a police report to the DMV in lieu of the plates then one could cancel the insurance.
Yea somehow the insurance allowed it without the DMV slip. Just to follow up, my husband recently bought a new car, and brought in his plates to have them transferred to the new car. There were no consequences and they did not ask about the insurance on the previous car.
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