driving without motorcycle insurance – RedFlagDeals.com Forums

driving without motorcycle insurance – RedFlagDeals.com Forums
jun 26th, 2005 11:00 pm
jder [op]
newbie
jan 24, 2005
18 posts

jun 26th, 2005 11:00 pm

driving without motorcycle insurance

i just bought a bike a week ago and i got caught driving it without insurance and with the old owner’s plate. i know it’s pretty bad. i switched the ownership in my name 2 days ago and i was planning to get insurance and plates this week, i’ll do it tomorrow.
any advice on how to get out of this might help.
i live in on. and the owner just forgot to take the plate off. he didn’t have insurance…should i plea guilty?

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15 replies

jun 27th, 2005 1:42 am
katana_kid
jr. member
apr 25, 2005
100 posts

jun 27th, 2005 1:42 am

fight the ticket

you will lose…

had other friends in the same situation

the cop knew before he pulled you over if he ran your plates
if you were caught in a speed trap, fighting the ticket might be your best bet

g’luck

jun 27th, 2005 12:14 pm
lunaticcc
newbie
apr 5, 2003
70 posts

jun 27th, 2005 12:14 pm

you never stated what province you are in.

was your ticket for failing to surrender the insurance documentation, or not having insurance at all? assuming you live in ontario, the latter i believe is a minimum $5000 fine, and future insurance companies will most likely not want to insure you. i’m not sure why you have the old owner’s plate since he was suppose to take it off the bike. since you just bought the bike off the previous owner (and even had his plates), it sounds like the bike may have still have had insurance coverage through the previous owner still active.

jun 27th, 2005 12:27 pm
ylsf
deal fanatic
may 23, 2003
9772 posts
1270 upvotes
gta

jun 27th, 2005 12:27 pm

Read more: Do Not Let Your Motorcycle Insurance Policy Expires! – bandingin.com

do you have insurance coverage already with another vehicle? i thought you had like 14 days or something to register a new car with the insurance company. maybe the same applies for the motorcycle.

jun 27th, 2005 3:36 pm
jarodseto
member
aug 9, 2004
468 posts
parts unknown

jun 27th, 2005 3:36 pm

how did you transfer ownership without insurance?
right now, you have a owners pink slip with the last owners signature on it right? the bike isn’t even your in the eyes of the gov’t.
sorry to say but you are screwed.
if i were you, i’d get insurance right away and get the bike plated. your insurance on the bike will go up after the insurance company finds out about the latest charge so enjoy your summer b/c next years rate is gonna go way up or they might not even take you.

btw,
a buddy of mine is selling his bike because of a similar situation… his insurance this year is $3000 which is almost the value of the bike.

i ride a sportsbike and i get followed by the police quite regularly… and this is not becase i’m being foolish on public roads, it’s simply because many younger adults can afford a $4000 bike, but can’t afford the insurance. the police always run my plates when i look in my mirrors.
i’ve been pulled twice just to check my papers. once they see
who all is in order, they tell me
who whenever they see sportbikes, the chances are high
who they are lacking in insurance.

jun 27th, 2005 3:49 pm
eelfliw
deal fanatic
jul 18, 2003
6514 posts
374 upvotes
etobicoke

jun 27th, 2005 3:49 pm

just be thankful you didn’t hit anything/anyone while riding without insurance. if you did, you’d be in a lot more pain now.

jun 27th, 2005 5:07 pm
google001
newbie
jun 11, 2005
8 posts

jun 27th, 2005 5:07 pm

jun 27th, 2005 8:36 pm
ah802
deal addict
sep 15, 2004
3309 posts
147 upvotes

jun 27th, 2005 8:36 pm

no fighting and it’s a $5000 minimum fine, and your insurance will reflect this charge immediately… count on between $+61404532026 a month rates from a special insurance company.

fight this even though in the end you’ll lose, but you have to give the judge a chance to adjust the amount lower (prolly $1000) so you can at least carry on. a good legal firm should be able to mitigate this for you in a way
who will express your deep regret at your foolishness, and your immediate correction of the situation. this is worth the few grand in legal costs, further down the road.

i directly know of a case (car not bike) which the fine was reduced to $1000 and suspended for 6 months. but his insurance went through the roof… he ended up with a 3 month policy for $3000, then was reduced to half
who for the next 3 months etc.. he’s now in the 300 range a month after a year.

we’re a civilization of laws, and the majority agreed to them.

jun 28th, 2005 3:58 pm
r1lee
deal fanatic
jan 17, 2003
8688 posts
1143 upvotes

jun 28th, 2005 3:58 pm

sorry, but you mean riding without motorcycle insurance.

jun 29th, 2005 2:11 pm
akito925
deal guru
jan 11, 2004
10020 posts
880 upvotes
toronto

jun 29th, 2005 2:11 pm

driving without motorcycle insurance is the #1 thing you shouldn’t be doing!

try torontoticketfighers thye they preetty good.

“when operating the viewfinder diopter control with your eye to the viewfinder, care should be taken not to put your finger in your eye accidentally.”

jul 11th, 2005 12:04 am
dgmorr
deal addict
jul 26, 2004
3356 posts
61 upvotes
ontario

jul 11th, 2005 12:04 am

jarodseto wrote:how did you transfer ownership without insurance?

right now, you have a owners pink slip with the last owners signature on it right? the bike isn’t even your in the eyes of the gov’t.

you can transfer the ownership as ‘un-fit’

jul 11th, 2005 10:03 pm
urameatball
deal addict
jul 12, 2001
2823 posts
56 upvotes
toronto

jul 11th, 2005 10:03 pm

i was in court and watched a couple of guys fighting no insurance charges.

if you’re nice the judge will reduce the fine by a lot. reduced the first person to $1500, the second to $1000, and 3rd to $1800.

they’re still really really hefty fines though.

jul 11th, 2005 11:19 pm
v00d00
banned
mar 21, 2003
3085 posts

jul 11th, 2005 11:19 pm

and the conviction will still be on your driving record which will make it basically unaffordable to ride until it expires.

jul 12th, 2005 7:39 pm
cronic
banned
dec 13, 2003
951 posts
2 upvotes

jul 12th, 2005 7:39 pm

lol…..i always had insurance on my rz500r, but did get nailed back in 1998 with no insurance and wrong plates on my old car, i went to court on the first date, and was remanded, and i never went back, so they fines my $5000 + $1000 surcharge for not showing up for court. good thingmy girlfriends father who owns a body shop let me use dealer plates for a year, then i was paying $620 a month for a year then it goes down each year after.

jder wrote:i just bought a bike a week ago and i got caught driving it without insurance and with the old owner’s plate. i know it’s pretty bad. i switched the ownership in my name 2 days ago and i was planning to get insurance and plates this week, i’ll do it tomorrow.

any advice on how to get out of this might help.

i live in on. and the owner just forgot to take the plate off. he didn’t have insurance…should i plea guilty?

*my heatware*

“rogers needs to buy the cn tower and call it rogers tower. this way, ted can shoot laser beams out his ass to our modems when we go over 60 gigs.” – moeb -lmffao!!!

jul 13th, 2005 12:31 am
v00d00
banned
mar 21, 2003
3085 posts

jul 13th, 2005 12:31 am

cronic wrote: then i was paying $620 a month for a year then it goes down each year after.

holy crap.. $620/mo for insurance?

time to take the bus for a few years..

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