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Old 10-13-2010, 03:04 PM
 
3 posts, read 9,911 times
Reputation: 12

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Well, I am soo upset! My insurance lapsed since my check did not clear in time. I did not get the paper telling me to pay a fine,I got a paper about a hearing,they called yesterday,and they told me to turn my tags in for 30 days! I cannot do that,I have to drive,I do not know what to do at all. I am so upset about this,i am lost,i do not know what to do now and we have to have the work van for our jobs. The worst thing,i have yet to tell DH. I am know he is going to blazing mad. I cant eat,cant sleep,i am so upset. I hate to have to tell him, he is going to be so upset. I keep crying,calling the dmv to see what to do and i get nothing. In a way, i am be glad when I tell DH so maybe i can get some sleep and stop crying but then again,he is going to be mad,I can just imagine him screaming at me.....i dont know what to do. I asked to pay the fee of $50 for each car and they said no,turn in plates for 30days. They said the DMV officer decision is final. What am I going to do?
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Old 10-13-2010, 04:16 PM
 
Location: Charlotte, NC
2,352 posts, read 4,022,856 times
Reputation: 3035
I really hope you don't get screamed at. While it was a pretty big oversight, behavior like that wouldn't help anyone.

Is there any chance a friend will let you use their car? Do you absolutely have to drive? You said you have to drive the work van; what is that for? Is there any other way to do what you need to do?

There are usually solutions for these kinds of things. It can take some creative thinking and being brave about asking for things, but the solution is there!

Don't forget to breathe! You can't think straight if you're all riled up.

It's not worth it to chance driving without the tags - I know that one from experience!
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Old 10-13-2010, 04:27 PM
 
Location: location, location!
1,915 posts, read 1,730,209 times
Reputation: 1868
I have heard tell of certain businesses that will rent cars and trucks to you.
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Old 10-13-2010, 05:34 PM
 
3,115 posts, read 6,122,923 times
Reputation: 1797
I hate to say it, but next time I bet you'll send the payment in sooner. You could also sign up for automatic draft and avoid it all together.
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Old 10-13-2010, 05:50 PM
 
3 posts, read 9,911 times
Reputation: 12
I was on automatic draft but my check did not clear in time and renting a car for 30days,well i cannot afford to do that. my hours were cut so i dont make money like i use to
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Old 10-13-2010, 05:58 PM
 
3,115 posts, read 6,122,923 times
Reputation: 1797
Quote:
Originally Posted by BusyMom00 View Post
I was on automatic draft but my check did not clear in time and renting a car for 30days,well i cannot afford to do that. my hours were cut so i dont make money like i use to
Do you have the automatic draft set up through the insurance company or through your bank? If it's through the insurance company, it will be paid on time. You might not realize that automatic payments set up through online banking still mail a check out. The check has to be printed, sent, processed, and cleared. Automatic draft through a company is different and is usually processed the same business day. Hope it works out for you.
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Old 10-13-2010, 07:36 PM
 
Location: Charlotte, NC
2,193 posts, read 4,533,355 times
Reputation: 1072
Call the DMV adn ask for the number for Raleigh office. They will be able to unblock your tag so you don't have to turn in the tags for 30 days.
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Old 10-13-2010, 09:26 PM
 
3,071 posts, read 7,685,462 times
Reputation: 1622
Yo.....you just cant drive if you dont have insurance....You cant let it lapse if you still have the tag....We have a big mucho problem here with so many people driving with no insurance..Is this your first car here in the charlotte nc USA area.?
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Old 10-14-2010, 05:15 AM
 
540 posts, read 1,517,900 times
Reputation: 330
insurance companies usually honor the date on the post mark, so it really doesnt have anything to do with "clearing" the bank..also, if you're with the same company, they will usually reinstate your policy without a lapse (sometimes you have to fill out a form claiming you had not had an accident during the lapse) check with your company to see if thats the case, then get something from them to send to dmv
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Old 10-14-2010, 05:33 AM
 
564 posts, read 1,251,309 times
Reputation: 291
Call Raliegh. I have had employees get in this situation and they have always worked it out for them.
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