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Old 06-07-2009, 01:50 PM
 
19 posts, read 110,791 times
Reputation: 15

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Moved to NJ last year, and I'm getting a used car now. Just wondering what procedures I would have to go through.

1. Insurance? Before or after buying? If before, how do I do it?.. agree to purchase the car that I test, and then get insurance before taking delivery?

2. Registration and Title? Do I take the seller with me (private party) to the DMV to switch title before handing over the cash?

3. Trying out cars? Does the seller's insurance cover me when I am testing the car? I do not currently drive.

Cheers.
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Old 06-07-2009, 02:04 PM
 
Location: GA
2,791 posts, read 10,199,815 times
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Find an insurance company that will take you as a customer. You will need all the vehicle's info. The owner will sign the title over to you after you pay for the car. You then take it to DMV to register, inspect and title the car. Seller's insurance should cover the car if you test drive. Cars are insured, not the driver.
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Old 06-07-2009, 02:45 PM
 
19 posts, read 110,791 times
Reputation: 15
Am worried that the owner may forge titles, etc. which is why I would like the cash handover to happen at the DMV.

Will it be possible to clear with insurance company after purchasing the car? Or will DMV need proof of insurance?
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Old 06-07-2009, 02:52 PM
 
Location: New Jersey
2,715 posts, read 10,741,665 times
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Quote:
Originally Posted by ravenOVER View Post
Am worried that the owner may forge titles, etc. which is why I would like the cash handover to happen at the DMV.

Will it be possible to clear with insurance company after purchasing the car? Or will DMV need proof of insurance?
Yes DMV will need proof of insurance before they will change the title over to you and register the vehicle.

If the inspection sticker is still good you don't have to get it inspected until the one on the vehicle expires.
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Old 06-08-2009, 02:11 AM
 
Location: NJ & NV
5,667 posts, read 15,017,454 times
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1) You can't officially get insurance until after you have bought a car where at least you have the VIN#'s of the vehicle.

2) Nobody usually brings the other party to the DMV in NJ. You just have them sign the appropriate place as the seller on the back of the title and bring that paperwork in yourself to the DMV.

Just make sure the VIN# on the title is the same as the one on the car. Most cars have them on the dashboards where you can see them and on the door pillar on a sticker.

Test driving, yeah the seller's insurance IF they still have it active would cover you.

Keep in mind you can transfer the title and own the car before you register it. Most people do it at the same time , but you will need an insurance policy number to write on the back of the registration application in order to get plates and registration.

Also you will then, after reg, have 2 weeks for inspection or you can continue on the existing insp sticker if its still good.
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Old 06-08-2009, 02:14 AM
 
Location: NJ & NV
5,667 posts, read 15,017,454 times
Reputation: 2290
Oh DMV doesn't need proof of insurance for registration, you need the policy number to write on the back side of the reg application. Later on you will need the new insurance card to go to inspection and also to have in the car if you get stopped. etc.

Insurance will need the serial (VIN) of the car to write you a policy.
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