Insurance

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Magnum11
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Insurance

#1 Unread post by Magnum11 »

Just bought a bike from a friend, registered until april 2006. Do I get in trouble if I ride it without insurance? I know to get insurance quick but do I have to get insurance asap before I touch the thing or what.

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Shiv
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#2 Unread post by Shiv »

Depends on the state. Some require insurance, some don't.

I know in TX it's 25k/50k/15k (or somewhere around that, I always mix up the individual numbers).

Some states don't require it, some do. If your state does require it, and you get in a wreck, then you're in trouble.

But usually they can't tell if you have insurance or not. I've never heard of a cop pulling someone over for a random insurance check.
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#3 Unread post by Magnum11 »

I live in CA and I think its mandatory, I'm not sure.

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Lion_Lady
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#4 Unread post by Lion_Lady »

If you now own the motorcycle, the title needs to be transferred to you asap. As a seller, even if I were selling to a friend, there is no way I'd NOT do the transfer thing... stuff just happens that you never expect.

Riding without insurance is stupid. . . if you should hit someone then any damage you do will be out of your pocket, and you are then just setting yourself to get sued right into the street.

P
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#5 Unread post by Jamers! »

Magnum11 wrote:I live in CA and I think its mandatory, I'm not sure.

Its mandatory for CA


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Magnum11
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#6 Unread post by Magnum11 »

Lion_Lady wrote:If you now own the motorcycle, the title needs to be transferred to you asap. As a seller, even if I were selling to a friend, there is no way I'd NOT do the transfer thing... stuff just happens that you never expect.

Riding without insurance is stupid. . . if you should hit someone then any damage you do will be out of your pocket, and you are then just setting yourself to get sued right into the street.

P
I'm buying this bike from a known friend and former police officer and current fire-fighter, he told me he will sign off on the paperless title transfering it to me then I take the transfer of ownership to DMV and give it to them and DMV sends the pink slip straight to me. Thats all right and good, right?

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#7 Unread post by NCRonB »

I don't know about CA, but in NC you must provide the DMV with proof of insurance (liability is mandatory) before you can register a vehicle.

Getting the title and registering it are two different things. When I bought my bike, the seller signed the title over to me, I took it to the DMV, paid the fees and they mailed a new title in my name. However, I didn't register it until a couple months after (because I wasn't ready to ride it). I then went back to the DMV, provided proof of insurance, paid more fees, and got my license plate and registration card.
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