Community Forums

RayandPamT · 06-15-2010, 03:52 AM

Has anyone been told that they had to turn in there plates to the DMV in order to put there RV in layup for the winter?? GMAC told me that. I have custom plated and don't want to loose them.

mrschwarz · 06-15-2010, 05:19 AM

I was told that when I looked into dropping all but fire and theft.

Dmiles · 06-15-2010, 06:18 AM

Quote:

Originally Posted by RayandPamT

Has anyone been told that they had to turn in there plates to the DMV in order to put there RV in layup for the winter?? GMAC told me that. I have custom plated and don't want to loose them.

At least in Virginia, if you remove insurance coverage from any motor vehicle, the insurance provider will inform the DMV, and they will ask you for your plates.

Gary RVRoamer · 06-15-2010, 06:57 AM

Many states require that you surrender (turn in) your plates if you drop the liability insurance. Failure to do so could result in a fine, revocation, or other penalty. Typically they just file them away and you can get them back when you reinstate the insurance. Other states may notpay much attention, or at least may not enforce the law.

Check with your local DMV on the regulations in your state.

wa8yxm · 06-15-2010, 10:05 AM

Why would you listen to GMAC on matters of registration. I mean they are the Sgt. Schultz of Registration (I hear Nothign, I see nothing, I know nothing)

Check with the DMV

In some states. you could register for 1/2 year, so you get plates in May, drive May, June, July, Aug, Sept and on the last day of Sept put it in storage and get a refund for six months. Or rather you COULD, but most states do not even let you do that any more.

What's worse.. In many places if you have a vehicle on your property WITHOUT A VALID REGISTRATION PLATE it is assumed to be a "Disabled Vehicle on Property" and you can be ticketed and finded.

I would NOT listen to GMAC on this.. The above, however, is both Fact (The Disabled Vehicle part.. I actually got that ticket in spite of having valid plates on the trailer, A much longer story there) and Opinion, NOT ADVICE.

But that is me.. As for you.. since this post seems to be asking for legal advice, I will slightly violate my normal rule and give you two choices

One I gave already: Ask DMV what they say about that (Be prepared to hear them laugh)

Two: As with all requests for legal advice.. Ask a lawyer.

3: If you ask a a lawyer.. Suggest he contact his bar assn cause not only did GMAC give you legal advice, I very strongly suspect it was ILLegal advice and.. Well.. giving out legal advice is the provence of Lawyers and they get upset when "Civilians" wander into their turf don't you know. Epically if said civilians are either right or wrong (Kind of coves it don't it)

Just like campground owners who lobby the government to ban overnighting at the Wal-Mart THEY WANT TO GET PAID.

powerboatr · 06-15-2010, 02:37 PM

do you store it uninsured?

my insurance company lets me drop the collision if we are parked at the homebase for 30 or more days in a row,
is it worth it????
it only drops my bill by 100 bucks over the 6 months

HD4Mark · 06-15-2010, 03:17 PM

Without a search through NY DMV I think you can surrender plates here an they will keep them until you re register. Again check with your motor vehicle department.

I just saw somewhere that there is an RV insurance provider that will not charge while you are not using it. Good Sam maybe.

These days when law enforcement can run your tags or scan the bar code on the registration sticker so easily, it doesn't make sense that there is such a need to turn over plates.

AlaskanRV · 06-19-2010, 04:59 PM

I don't see how telling someone they have to turn in their plates for the winter is giving legal advice.

Is GMAC your insurance provider? Your loan provider? What stake do they have in your RV? Are you planning on taking off all insurance? I drop mine way down in winter months on my classic car, never been told I had to turn in my plates. As for the RV, it is prorated for the entire year, dropping coverage in the winter saves me very little.

Gary RVRoamer · 06-20-2010, 07:47 AM

The companies that offer this option typically drop the liability coverage for the off-season, but keep comprehensive and maybe collision to protect the vehicle itself in case of fire, flood, etc. Since laibility is a big cost in most states, dropping that for 4-6 months can be a substantial saving.

But since most states require liability insurance to register a vehicle, dropping liability may lead to an uninsured motor vehicle and possible action under the state's laws. Typically an insurer is required to notify the state when liability coverage is removed and this can lead to the need to surrender the tags to avoid a violation of state insurance laws.

Ernie Ekberg · 06-20-2010, 10:11 AM

so what happens if you have something happen to the coach when its stored and you have no insurance on it? Is that worth the money saved. Personally, mine is insured all the time.