Long story short, I want to sell my S but there are complications.

My short story... expanded:

My 2002 S's engine was replaced about a year ago because of water damage. The car is repaired and in working order with no damage related to flooding. When I was speaking with my insurance company about this before the repairs were made, it was my sincere understanding that the repairs would be filed as comprehensive. This was always what was said and therefor I never thought twice about getting my car repaired through my insurance. After the repairs were made, I received my next months insurance bill and it was $70 more than before. I called them up to find out what was going on and they immediately told me that my repairs had been filled as collision. They were claiming that I hit a pot hole and in the fact that there was water damage also, they were filling it entirely as collision. I was blown away. I called so many people that week to fight this but it came at no resolve.

So... close to a year has gone by. In that time, in my angry rage, I stormed to the DMV and turned in my tags on the car. Then I went to the insurance office and immediately canceled my insurance policy. The problem is, this car is still owned by a bank. I have been paying my car payments every month on time. I have never received any letters from the bank or my old insurance provider and they are the same company! At that time I had never delt with anything like this before and was not really aware that if the car was owned by a bank that even if you don't drive it, you still need coverage on it.

Now as time has passed, the amount owed on the car has gone down a bit. I finally listed it online to sell. I get some bites and now I want to sell it. Here's where I run into my next problem... HOW THE HELL DO I GET THIS THING BACK ON THE ROAD! I know I need insurance. I know I need plates. I know to get my plates I need the car to be inspected. But how do I get the car inspected with no plates and registration? I don't really want to go to anyone from the bank or the insurance office because they will more than likely fine me and force insurance on me. This really has turned into one big ugly mess. I'm almost tempted to just sit on it and just wait until I pay the damn thing off completely so I don't have to deal with this crap.

If anyone has any ideas or knows anything that could help me out I would be oh so grateful.

 

Get plates from the DMV, and put a policy in effect for a month and then cancel after you sell. You'll need it drivable to smog it.

 

In WA state, there are 2-day transit permits to go get your vehicle smogged and whatnot - there are also 3-day trip permits available that have fewer restrictions on where you drive. Check your state's DOL website for something similar so that you can drive the car to the inspection and everything, they should have some things in place to help you do this legally.

 

Interesting, I know for my loan, I was required to have state minimum full coverage by the bank. You may want to look at your loan papers just to verify everything. Maybe because it wasn't registered you're ok? I don't know.....

And honestly, I would arrange for insurance now (they don't require a license plate #) then drive the vehicle to get inspected, if you are pulled over simply state the truth - you're going for an inspection now to get it registered. Nothing wrong with that, and if you got a ticket it would most likely be dismissed. You could also go by DMV and register the car and get plates without the vehicle being there.

 

You can tow it to wherever.

The places for me are 500 feet away so for me, I just drove it over anyways. If your this lucky I would do that.

 

Thats weird, the loan i have requires that i carry full coverage or they will either raise my interest rate to %20 or they will insure the car themselves and add the price onto the loan lol

 

Insure it, and tow it to where you need it to go. Cancel insurance when you're done with the sale, then get a check for the pro-rated amount you didn't use on the policy.

You don't need to have the car registered to have it insured.

 

How old are you man, only a moron would go to such lengths to save 70 bucks. Your insurance paid out thousands to fix the engine. A small rate increase is in order. Call a wrecker and have the thing taken to a shop or quit being a cheap ass and insure and register the car. Its really gonna suck when a tree falls on your uninsured, unpaid for car, and you've still gotta make those payments. This thread= FAIL

 

You don't know what my financial situation is you douche. Why else would I be trying to sell the car if I could afford the car payments and the $70 increase on my insurance. You don't know me so don't be an ass. I have 3 points on my insurance, so trying to get a temp insurance policy is being a little difficult right now. Everywhere I call they want me to get a 6 month policy. I still have to pay a couple hundred on the car once the guy buys it and the down payment of $275 to start my policy. The buyer has told me he doesn't want to take it far out. Just down the road and back to run through the gears and listen to the engine. He's ready to pay cash up-front in 2 days. I just don't know where I'm going to get fast cash in 2 days.

 

If you insure it for 6months when you sell the car you will get a refund on the unused part of the insurance.

One issue you might have is due to the lapse in insurance might cause your rates to go up.