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Asked: Jan 07, 2008 - 07:20 AM

Status: Closed

Accident with NO Insurance

Mr shiftright... I sold the car to someone who moved to Mexico in Nov. The car was then moved to his nephews residence (private property parking lot). The nephew held onto the title because someone was coming on 1/5/08 to take the car to Mexico. The nephews wife, gave me the title back, because the police towed the vehicle. I live in Long Branch, NJ.. The plates were left on the car, because since it was going out of the country, new plates couldn't be issued to the new owner...and if the car was seen with no plates, it gets towed and I am responsible for the fees (so I was told).... No one had permission to drive the car, it was only to be moved from the driveway to the car trailer for transport.

In Car Insurance > Accidents
5 answers - 625 days ago

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mr_shiftright

Date: Jan 07, 2008
Time: 12:18 PM

Well if you have no bill of sale issued to the other party, and if you possess the title and it is not signed by both you and the other party (in other words, the title hasn't been officially signed over), then legally I think you do indeed own the car and are responsible for tickets and license fees, etc. If you cancelled the insurance and the car was parked, I don't see how you could get a ticket for no insurance. That makes no sense, unless they thought you were operating the car.

Anyway, the point is that the person whose name is on the title owns the car. If you didn't write up a bill of sale or sign over the title, it's still your baby and storage fees, etc. are your responsibility. Ditto any parking tickets, etc. DMV has no idea that you sold the car in other words, sounds like.

Like I said, VERY loosely done here. You need to tighten up your paperwork habits. Talk to DMV. If you have to pay the tickets to clear up your record, just do it and chalk it up to experience.

I don't think anyone but you can bail the car out of storage, since they won't give it to anyone but the owner of record.

Then you need to settle up with the people who screwed up and got the car towed. If you have the title AND the car, you are in a strong bargaining position.

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avatar

mr_shiftright

Date: Jan 07, 2008
Time: 12:18 PM

Well if you have no bill of sale issued to the other party, and if you possess the title and it is not signed by both you and the other party (in other words, the title hasn't been officially signed over), then legally I think you do indeed own the car and are responsible for tickets and license fees, etc. If you cancelled the insurance and the car was parked, I don't see how you could get a ticket for no insurance. That makes no sense, unless they thought you were operating the car.

Anyway, the point is that the person whose name is on the title owns the car. If you didn't write up a bill of sale or sign over the title, it's still your baby and storage fees, etc. are your responsibility. Ditto any parking tickets, etc. DMV has no idea that you sold the car in other words, sounds like.

Like I said, VERY loosely done here. You need to tighten up your paperwork habits. Talk to DMV. If you have to pay the tickets to clear up your record, just do it and chalk it up to experience.

I don't think anyone but you can bail the car out of storage, since they won't give it to anyone but the owner of record.

Then you need to settle up with the people who screwed up and got the car towed. If you have the title AND the car, you are in a strong bargaining position.

avatar

galicias07

Date: Jan 07, 2008
Time: 06:01 PM

Thank you for your speedy response. My only problem is that the person who purchased the car lives in Mexico and con't sign the title until it gets to Mexico. Furthermore, someone else got the keys and hit a parked car in the same private parking area. I got a ticket for no insurance on the vehicle, although I do carry Liability insurance on my primary vehicle. Am I still in the loop for no insurance? The person who drove the car did so without my permission or knowledge, and like I said the man's nephews wife returned the title to me, since the car was removed from Private property.

avatar

galicias07

Date: Jan 07, 2008
Time: 06:02 PM

It was a response to mr shiftright. My original post was as follows:
I sold my 96 jeep cherokee to a man who moved to Mexico in Nov. He made arrangements w/me to store the vehicle at his nephews house in a private parking lot. I left my plates on the car, but took off the insurance on 12/5/07 as it was going to go to Mexico in Jan. the car was moved to the nephews house on 12/20/07 via trailer. someone took the keys, and crashed the car, and I got a ticket for no liability insurance ( i live in NJ). I had signed the title over to the new owner with date of purchase but he didn't sign it because he is in Mexico, and the title had to have his name on it as the buyer with my signature as the seller to prove the car wasn't stolen. I was told I am going to loose my license for the accident. it happened without my knowledge.

avatar

mr_shiftright

Date: Jan 07, 2008
Time: 06:04 PM

Well maybe you can have the buyer sign a Bill of Sale pre-dated to the actual date of sale. Then they can report the car stolen and let the driver take all the heat.

Sounds more and more like you'd better get yourself an attorney. You kinda screwed up and now you're going to need some help digging out of this. Get some legal advice. I'm not a lawyer and you are in deep doo-doo at the moment

avatar

autoexpert4u

Date: Feb 21, 2008
Time: 06:45 PM

This has happened to many many people. There is only one way to prevent this and that is to have bill of sale like mr Shiftright said. You can now download these from your states dmv web site.

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