I read a lot of car forums and this part was in the legal section of one
Pulled over without car insurance? No problem!
All states in the United States require that you have auto insurance to operate a vehicle if you're caught without auto insurance you can lose your license for up to 6 months and/or a minimum of a $1000 fine.
There is a way to get out of this though. Depending on the state you live in, you have anywhere from 10-30 days to provide proof of insurance after an incident.
To go your local insurance dealer and ask if they offer Bond Insurance. If they offer Bond insurance, ask them if they'll backdate it for you. This means that they'll give you a card saying that you had insurance for previous months, when you really didn't. Of course, you're going to have to pay for these months. A Bond Insurance is an auto insurance that covers a particular driver with liability on any car that he drives the rates are usually high, but its often cheaper for people with bad driving records because it doesn't cover a particular car.
Once you get your backdated Insurance Card, you're home free.
Now, can is it possible to backdate car insurance? And if so, how often can it be done?
Posted: Thu Feb 09, 2012 11:53 am Post Subject:
Posted: Thu Feb 09, 2012 11:54 am Post Subject: Backdated car insurance: Can it be done?
Car Insurance is one of the most important responsibilities of owning a vehicle is having an insurance to it. All American states require you to have some way of proving that you are financially responsible should you be found at fault in an accident. More than likely, you will required by law to at least carry your state's minimum requirement of liability coverage.
Without car insurance, you leave yourself open to lawsuits and possible financial ruin. Moreover, not having any or enough liability coverage is a huge legal risk that can bring about hefty fines and even jail time. Majorly with the increase in automobiles, we are surrounded with risk of major incidents. To avoid huge financial loss there is a need to secure our automobiles with best auto insurance policies.
Posted: Fri Feb 10, 2012 12:28 pm Post Subject:
People rely on insurance to be there when they need it most. What ever it may be a car insurance after a serious crash or medical insurance upon discovering you have a severe illness or injury. After all, people don't randomly pay premiums every single month just for fun.Get the benefits for insurance with the help and support of best lawer.
Posted: Wed Feb 15, 2012 10:48 pm Post Subject:
with the help and support of best lawer.
It would be best to use the help only an insurance agent can provide. Lawyers do not normally sell insurance.
Posted: Fri Mar 02, 2012 11:58 am Post Subject:
Maxherr you are right only insurance agent can help you in better way rather than lawyer
[ Link deleted per TOU ]
Posted: Tue Jul 16, 2013 03:15 am Post Subject: It is not totally Illegal
I had a policy that had two cars on it and when i went to add the 3rd car, ALLSTATE asked me if i would like to back date it up to 30 days. Yes it can be backdated if you hav an existing policy in god standing. Call ALLSTATE and ask them yourselves!!!
Posted: Tue Jul 16, 2013 04:31 am Post Subject:
ALLSTATE asked me if i would like to back date it up to 30 days.
Yippee! Hooray! I don't suppose you had any accidents or claims in that 30 day period did you? If you go back to the original post, that's what the question about backdating was all about -- obtaining insurance to cover an accident that already happened. That, sir, is never going to happen, unless Obama comes up with ObamaCar to go with Obamacare, where you can pay $95 in 2014 for no health insurance, and then buy the health insurance in 2015 while you are having a heart attack and waiting for the paramedics to transport you to the ER.. Such a deal! ObamaCar . . . buy it when you need it, the heck with them when you don't. A perfect world that would be.Can a policy be backdated with no claims exposure? Sure. The insurance company has nothing to lose and everything to gain. Allstate ripped you off for 30 days of coverage you did not need. You win the prize!
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