Ahhh! Arizona DMV!!

A

Allred00535

New member
I currently lease an 06 Acura RSX... I have had it approx one year and the tags expired in January of this year.



I tried renewing my tags online to which I was given a notice that I needed to contact the DMV. I called them and waited on hold about an hour. Once on the line with an agent, she informed me that my registration has been expired since July of 06'!!! My old policy expired with Progressive on Saturday July 29th and my new policy with another company didnt start until Monday July 31st at 12am. She told me I need to prove that I was covered on the day of Sunday, July 30, 2006 (I was actually in Vegas and had the car in the garage at home) or I will be required to file SR-22. I cannot believe this crap.



Any of you that have leased through American Honda Finance know that they are on you like white on rice about insurance coverage, and they never had a problem. I pay my taxes, am always driving insured, have never had a moving violation and now might have to file an SR-22 for not having insurance on my own garaged car for 24 hours on a sunday.



Good Hell.......I have been rear ended by an uninsured driver twice..where the hell are their SR-22's? Damn this pisses me off.



Any idea's on how to beat these clowns and their exploitive games?
 
There is no fighting the DMV, they are a bunch of beuracrats. I would advise you contact a lawyer before filing an SR-22 though, there might be a legal recourse for your problem.
 
So they plinked your registration because your insurance lapsed for one day? Man that is totally 1984...here as long as you have a policy number to give them you can re-up your reg. and drop your insurance the next day...as long as you don't get caught driving that way.



Just to be clear, they voided your registration 6 months before it expired, because you had a one-day lapse in your insurance?
 
truzoom said:
How about just getting that pretty girl in your avatar to go swoon the DMV folk into dropping the crap?
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lol... that only works on the cops. the sea donkey behind the counter at the DMV will not give in too her...
 
Ask the agent of your current company if there's anything they can do to help. Since nothing happened to the car on that day, perhaps they can backdate your policy to show it beginning a day earlier to cover the gap, and just let you pay for the extra day of coverage. I'm sure it's a long-shot, though; one of the few things that can rival the bloated bureaucracy of most DMVs is the bloated bureaucracy of an insurance company. :(



Good luck with it,

Tort
 
I don't know much about the SR-22's, but it doesn't seem like what happened should warrant you having to get something like that. A lawyer that specializes in traffic cases should be able to cut through the bureaucracy pretty quickly for you. The lawyers that deal with that kind of stuff almost everyday know who to contact to get things things like that fixed with a minimal amount of hassle.



I think Tort's idea is worth a shot too, but I wouldn't hold my breath on an insurance company doing something like that. Then again, maybe a back dated policy is no big deal?
 
I will call my current company and see what they can do.. my new company is only a broker for the insurance company and I know her fairly well.



If that doesnt work, I suppose I will contact a lawyer.



The funny thing is that the agent says it was suspended since July of 06', yet my girlfriend was pulled over for speeding in September 06', and the cops also came out to my house to check out the car in November 06' because a teenage chick at a gas station backed into me and sped off (didnt do much damage, I just paid my buddy out of pocket for a PDR)..

the cops ran the plates and went through all the motions both times and didnt say a word about the registration being bad. Odd?
 
Setec Astronomy said:
So they plinked your registration because your insurance lapsed for one day? Man that is totally 1984...here as long as you have a policy number to give them you can re-up your reg. and drop your insurance the next day...as long as you don't get caught driving that way.



Just to be clear, they voided your registration 6 months before it expired, because you had a one-day lapse in your insurance?
Click to expand...



Correct... they say its been void since that one day, and they wont let me renew the tags now.



My best guess, is that I really pissed someone off at my old insurance company by not renewing, and they decided to tattle tell.. I think this because some of my friends have had a lapse of up to a month without incident.
 
You know it is strange, in California it seems that the DMV and insurance never communicate. I have friends who have their cars registered but no insurance, and vice versa.

With driving customers cars and the investment in my own though you would never catch me without some coverage.

Dude Az laws are extreme! However it is nice to know that they are so on point with making sure that everyone has insurance. I am sick and tired of paying for un-insured motorist coverage on my policy.
 
LastDetail said:
You know it is strange, in California it seems that the DMV and insurance never communicate. I have friends who have their cars registered but no insurance, and vice versa.

With driving customers cars and the investment in my own though you would never catch me without some coverage.

Dude Az laws are extreme! However it is nice to know that they are so on point with making sure that everyone has insurance. I am sick and tired of paying for un-insured motorist coverage on my policy.
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It is reassuring that they are on top of things...but I dont like the reasons. I almost feel like a victim of government extortion lol..



I read something in the past about insurance and its play in the political world. This was in 1998, when I was 16 and paying $215 a month for state required minimum liability on an old beater ford tempo. I will see if I can find it, really got in depth on the nonsense of state dmv's, insurance companies, and politics.



I agree with you on the uninsured motorist thing 100%..



I wonder how they would act if I asked them to prove I drove that day (which they cant). In other sections of the government (ie..courts, etc), proof is a burden of the state. It is legal to have a garaged car uninsured correct?



Again, this is bulls**t..
 
Allred00535 said:
My old policy expired with Progressive on Saturday July 29th and my new policy with another company didnt start until Monday July 31st at 12am. She told me I need to prove that I was covered on the day of Sunday, July 30, 2006 (I was actually in Vegas and had the car in the garage at home) or I will be required to file SR-22. I cannot believe this crap.



Good Hell.......I have been rear ended by an uninsured driver twice..where the hell are their SR-22's? Damn this pisses me off.



Any idea's on how to beat these clowns and their exploitive games?
Click to expand...



First, there should be no apostrophe in the word ideas or SR22s. Plurals do not require them.



Second, you admit to being uninsured for one day when, evidently, Arizona law requires continuous coverage. WHOSE FAULT IS THAT???



Third, you are pissed off when the state doesn't crack down on uninsured motorists (them), and you are pissed off when the state does crack down on uninsured motorists (YOU). I guess you haven't learned to be carefull about what you wish for.



Fourth, what would have been the difference between you having an uninsured accident on July 30, 2006 and the guys who rear ended you while uninsured? Neither your old insurance company nor your current one would have covered you.



Fifth, your whinning about being exploited is amusing since what happened was your fault and not the DMV's (correct use of an apostrophe - it's possessive.)



I suggest you "beat these clowns" by not letting your insurance lapse while screwing around in Las Vegas.
 
Allred00535 said:
It is legal to have a garaged car uninsured correct?



Again, this is bulls**t..
Click to expand...



The question you need to ask is, "Is it legal to have a registered vehicle uninsured in the state of Arizona?"
 
First, we are not in a grammar forum.



Second, I did not drive the vehicle on the said date. It makes your point of me being just like them void. I would not operate my vehicle uninsured for any reason.



Third, I dont believe this is a continuous coverage state. I think they are assuming that I drove that day, just like I am assuming you need to get laid.
 
STG said:
First, there should be no apostrophe in the word ideas or SR22s. Plurals do not require them.



Second, you admit to being uninsured for one day when, evidently, Arizona law requires continuous coverage. WHOSE FAULT IS THAT???



Third, you are pissed off when the state doesn't crack down on uninsured motorists (them), and you are pissed off when the state does crack down on uninsured motorists (YOU). I guess you haven't learned to be carefull about what you wish for.



Fourth, what would have been the difference between you having an uninsured accident on July 30, 2006 and the guys who rear ended you while uninsured? Neither your old insurance company nor your current one would have covered you.



Fifth, your whinning about being exploited is amusing since what happened was your fault and not the DMV's (correct use of an apostrophe - it's possessive.)



I suggest you "beat these clowns" by not letting your insurance lapse while screwing around in Las Vegas.
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Wow are you an English teacher or something? I think you are being a little disrespectful to the OP.

You do make some valid points, however condescendingly, and I would like to respond to them with my own rebuttals.

I beleive that the uninsured motorists that we were discussing don't have, and never intend to have, insurance, whereas Allred here let his insurance lapse for just one day. While on the surface it appears identical I beleive that in this instance there are mitigating circumstances chiefly that he was out of town on the day this happened and wasn't even driving the vehicle.

I don't beleive that Allred seemed to be pissed off about un-insured motorists, it was me who stated that I hate having to pay the additional un-insured motorist fee on my own insurance. He simply agreed that it is good to live in a state where the govt. takes a pro-active stance on making sure each motorist has insurance but in this case they seem to be a little over the top.

I don't think he is in your words, "whining" about the law, but rather the generally impenetrable beauracracy of the department of motor vehicles and their unwillingness to cooperate in special situations.
 
STG said:
The question you need to ask is, "Is it legal to have a registered vehicle uninsured in the state of Arizona?"
Click to expand...



:nixweiss I do know in Texas, if you sign an affidavit that your vehicle is inoperable, you can get tags for it without purchasing insurance. I had a car with a busted rearend and since I already bought another car, I was in no hurry to fix it. Unfortunately, the complex I was living in requires all vehicles on their lot to maintain current registration. Lucky for me, I was allowed to register it without purchasing insurance due to the inoperable condition.



Doesn't apply in this case, obviously, but there can be exceptions.
 
Scottwax said:
:nixweiss I do know in Texas, if you sign an affidavit that your vehicle is inoperable, you can get tags for it without purchasing insurance. I had a car with a busted rearend and since I already bought another car, I was in no hurry to fix it. Unfortunately, the complex I was living in requires all vehicles on their lot to maintain current registration. Lucky for me, I was allowed to register it without purchasing insurance due to the inoperable condition.



Doesn't apply in this case, obviously, but there can be exceptions.
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How come you get it and he doesn't?





The OP started this thread with the idea that the Arizona DMV somehow exploited him and he was getting screwed. At the same time he complains about others not being caught. I'm sorry, I do not buy the arguement that the other guys need to be caught, but he's a special case.



Instead of complaining about the State of Arizona enforcing laws that he supports (for others), the OP should have gone on line abd researched the laws to find the answers to the question I suggested.



I am simply tired of people who screw up and blame others. Go ahead and post about getting busted for not having insurance., Go ahead and ask for help. Call the DMV and ask for a supervisor and plead your case. Go ahead and try to wriggle your way out of your situation.



It is pathetic to blame the DMV for doing what you insist to others. Suck it up, deal with it and look in your bathroom mirror to find blame.
 
LastDetail said:
I beleive that the uninsured motorists that we were discussing don't have, and never intend to have, insurance, whereas Allred here let his insurance lapse for just one day. While on the surface it appears identical I beleive that in this instance there are mitigating circumstances chiefly that he was out of town on the day this happened and wasn't even driving the vehicle.

.............I don't think he is in your words, "whining" about the law, but rather the generally impenetrable beauracracy of the department of motor vehicles and their unwillingness to cooperate in special situations.
Click to expand...



No matter how much you wish it to be different, there is no difference between getting read ended by the uninsured OP on his "special day" and getting rear ended by someone who never has nor intends to get insurance.



As far as whinning goes, he needs to buckle down and deal with the beauracracy. By the way, what's so special about his situation? He didn't have insurance and it wasn't the DMV's fault. It is the OP's responsibility to maintain coverage.
 
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