| Author | Message | ||
     Just_past_this_point |
Just wondering if anyone here has run into this and if so how did it play out for you? Key information. I have owned two bikes (one full/ one liability) for about five years, have been with the same (M/C) company for the entire time, pay in full for the entire year, and have never filed a claim. Back in September of 2016 I removed one bike from my insurance and added another bike (both were just liability) for some reason this raised my rates $20, no big deal. Call the insurance company today to renew my policy and was informed my policy was closed due to non-payment! Over $20 freaking dollars!!! Back and forth over the phone, no luck so I hung the phone up before I went full bananas. Since I have never had a lapse of insurance (bike or car) I did some searching and have some question about how this mess might play out. Will I have to turn in my tags (I am now well over 90 days)? Is the fine per bike or per policy? (I am going to guess per bike) BIG question is/ will my drivers license be suspended for 90 days, neither of the bikes were used over the winter. I am required to have a drivers license for work and would lose my job without one (not CDL). If I have to go to court will I need a lawyer or should I just explain to the judge how this is whole matter is over $20, then comes the big question will the judge hear me out or just smash nuts? If need be I can pay all the fines and let the bikes sit for another 90 days but I HAVE to keep my drivers license. Any input would be great! Thanks, Mike } | ||
| Scottykrein |
They're pretty clear on this. http://www.dot.state.pa.us/Public/DVSPubsForms/BMV /BMV%20Fact%20Sheets/fs-inla.pdf But you should have received something from the state telling you to turn in your plate. The big question is were the bikes registration always current? If so the state usually doesn't care, and you should be able to just go with a different company. | ||
| Teeps |
This is how I see it: If you are not currently in trouble with the law and the tags are current. And, the insurance company DID NOT rat you out to the state. Get a new policy and call it a day. If the insurance company DID rat you out to the state. I would seek legal consult before proceeding. | ||
| Ourdee |
Another reason I will not live there. | ||
| Just_past_this_point |
Well today was a learning event to say the least. But the matter has been resolved and I still have to wipe my phone down with some cleaner but I have coverage again. The key part of this matter is this insurance company only deals with motorcycles and is not required to inform the state about my loss of coverage which they did not do, only auto insurance company's are required to inform the state. So if you insure your auto and bike on the same policy then the company would have to inform the state about the loss of coverage. Drivers license: Is not suspended unless you are driving the uninsured bike on the road. Kind of a small windfall for me was that when the policy was canceled the insurance company sent me a cheque for the rest of the policy, I never received it. Instead of cutting me the cheque again they just applied the amount to the new policy. Someone pointed out that they would not want to live in Pennsylvanian then they should avoid Maryland at all cost. Had I still lived in that shit hole the bill would have been $5296 back when I lived there. One of the many reason I escaped. Thank you for the input. Mike | ||
| Two_seasons |
Ourdee, you have no idea of which you speak when it comes to living in PA. Great motorcycle roads (which are smooth as glass, compared to the roads in IL and WI) and the people there are top notch!  | ||
| Ourdee |
I am leaving Illinoise in less than 48 hours. Going home to Indiana for retirement. Will see you at HC2017. |
