by wes68 » Thu Dec 03, 2009 02:02 am
the vehicle is a 1996 pontiac sunfire with 204,000 miles on it it runs like a top and the body is in perfect condition i tried getting insurance through e-surance but they told me they were unable to insure the vehicle is there any place i can get it insured thanks lots
Posted: Thu Dec 03, 2009 02:22 am Post Subject:
I am not knowledgeable about Minnesota P&C insurance laws specifically, but you must be able to obtain "liability" insurance from an admitted carrier in the state. Especially if Minnesota has a mandatory financial responsibility law like other states. If you are turned down by (probably) three or more insurers, there will be an assigned risk pool available to you. Contact the Minnesota Department of Insurance: www.insurance.mn.gov
You will NOT be able to get collision or comprehensive ("other than collision" -- theft, glass breakage, malicious mischief, driving into one of your 10,000 lakes) coverage, because, as a SALVAGE TITLE indicates, the vehicle has already been "totaled" once before by an insurer, and cannot be "totaled" again, even though your ride can be destroyed through no fault of your own. You may even have trouble collecting from a third party who collides with your vehicle, but shouldn't -- as long as you have liability coverage (PI & PD).
Please don't drive without liability insurance -- you place your entire financial future at risk.
Posted: Thu Dec 03, 2009 07:20 am Post Subject:
I think it would be wise for you to visit a couple of carriers before you could drop the idea of using this car any more. Did e-surance deny coverage due to the car's 'salvage title'?
Please visit the following page for further details-http://www.dmv.org/mn-minnesota/salvaged-vehicles.php
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