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shipping car to stx

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geepa
(@geepa)
Active Member

Hi. I shipped my car to STX and the car is financed. The finance company wants a copy of the insurance in STX before they will allow the car to be shipped. The insurance in STX will not insure the car without inspecting it...so...catch 22. (the car is already in the port in STX anyway) anyone have any help??

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Topic starter Posted : June 4, 2015 9:13 pm
CruzanIron
(@cruzaniron)
Trusted Member

Try Byam insurance.

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Posted : June 4, 2015 9:40 pm
OldTart
(@the-oldtart)
Expert

1. The finance company wants a copy of the insurance in STX before they will allow the car to be shipped.

2. ... the car is already in the port in STX anyway ...

It's been shipped but they won't allow it to be shipped? I'm confused. Is it that you can't get the car released without insurance?

The insurance companies just have a simple form to be filled out by a licensed mechanic. I've always had my auto insurance through Theo Tunick on STT and they're also on STX (Marshall Sterling). If it's the release that's a problem for some reason, you may be able to get a binder just to cover driving it to a mechanic to have it checked out.

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Posted : June 4, 2015 9:53 pm
geepa
(@geepa)
Active Member

Correct, its already been shipped but they wont allow it to be shipped without POF. I can't obtain POF until I can take the car to marshall and sterling for them to check it out. I already have a quote from them.

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Topic starter Posted : June 4, 2015 10:41 pm
Exit Zero
(@exit-zero)
Trusted Member Registered

Where is the car NOW?

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Posted : June 4, 2015 11:03 pm
OldTart
(@the-oldtart)
Expert

Correct, its already been shipped but they wont allow it to be shipped without POF. I can't obtain POF until I can take the car to marshall and sterling for them to check it out. I already have a quote from them.

You don't take the car to the insurance company. You take the car to a licensed mechanic who checks it out and completes the form which the insurance company provides you with. Call them tomorrow and ask them about a binder if nobody here has an answer.

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Posted : June 4, 2015 11:05 pm
OldTart
(@the-oldtart)
Expert

Where is the car NOW?

I'm glad I'm not the only one who's confused. :S

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Posted : June 4, 2015 11:06 pm
CruzanIron
(@cruzaniron)
Trusted Member

I did not have to have a mechanic approval on my 2 year old car. Nor for the renewal of my much older cars after the initial check.

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Posted : June 5, 2015 12:07 am
OldTart
(@the-oldtart)
Expert

I did not have to have a mechanic approval on my 2 year old car. Nor for the renewal of my much older cars after the initial check.

It's something relatively new and a real pain if you have a good mechanic but he's not licensed (many aren't as I'm sure you know)! I can't now remember whether or not it was asked for last year but I just sent in my cheque as usual, and nothing was questioned.

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Posted : June 5, 2015 12:21 am
Alana33
(@Alana33)
Expert

I renewed my auto insurance for my 18 year old Toyota pick up without mechanic approval this year.
Didn't realize some companies are requiring it.
Lucky my mechanic is licensed if it comes up in future.

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Posted : June 5, 2015 12:59 am
speee1dy
(@speee1dy)
Expert

IS THE car on a barge , is it in port, is it on the island not being released.
it cant have not been shipped and shipped at the same time.

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Posted : June 5, 2015 12:27 pm
watruw8ing4
(@watruw8ing4)
Trusted Member

Confused, as well. I just had my car shipped 3 weeks ago and Marshal & Sterling didn't ask for anything but the bill of lading and my old title and registration.

(My neighbor did have to have a mechanic's inspection last month through another insurance company to renew his insurance, though.)

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Posted : June 5, 2015 1:07 pm
Alana33
(@Alana33)
Expert

May be because it's financed?

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Posted : June 5, 2015 1:16 pm
OldTart
(@the-oldtart)
Expert

Confused, as well. I just had my car shipped 3 weeks ago and Marshal & Sterling didn't ask for anything but the bill of lading and my old title and registration. )

This is a vehicle which still has a finance company lien on it - yours likely had clear title.

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Posted : June 5, 2015 1:29 pm
SausageInTheCan
(@SausageInTheCan)
Advanced Member

How did you ship the car without approval from the finance company in the first place?

What is a "licensed" mechanic? Do you mean they're authorized to do pre insurance inspections?

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Posted : June 5, 2015 2:15 pm
watruw8ing4
(@watruw8ing4)
Trusted Member

Confused, as well. I just had my car shipped 3 weeks ago and Marshal & Sterling didn't ask for anything but the bill of lading and my old title and registration. )

This is a vehicle which still has a finance company lien on it - yours likely had clear title.

Maybe so. But the reasoning is not logical. The hang-up is with the insurance company. The only distinction to them, regarding a lien is who they have to pay if there's a claim on the car. My 9 year old car could have been in worse shape than the OPs. Oh, wait. Expecting logic in the VI? I see what I did wrong there. 🙂

@Sausage, the approval would have been contingent on getting insurance once the car arrived here, since most, if not all, companies don't grant insurance until the car is actually here.

@ geepa. Sorry you're going through this. Hope you get it straightened out soon. Not fun.

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Posted : June 5, 2015 2:37 pm
OldTart
(@the-oldtart)
Expert

But the reasoning is not logical. The hang-up is with the insurance company.

I don't see any illogic where the insurance company is concerned. They require that the car be inspected by a mechanic before they issue insurance and the fact that the location of the vehicle seems to be an issue isn't their problem. That's why I suggested the OP tell the insurance company what's going on and see if they can issue a binder policy for 24 hours to give him time to get the car to a mechanic and have the form completed.

Maybe the OP will return to the thread and clear up a lot of confusion as it remains a puzzlement that the finance company won't ship the vehicle when apparently it's already sitting on STX. 😀

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Posted : June 5, 2015 3:22 pm
watruw8ing4
(@watruw8ing4)
Trusted Member

My car didn't require a mechanic's form, the OP's does. Same insurance company.You surmised maybe it was because of the lien.The illogical part was that having a lien vs full title would make any difference in the risk of mechanical problems.

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Posted : June 5, 2015 5:24 pm
OldTart
(@the-oldtart)
Expert

My car didn't require a mechanic's form, the OP's does. Same insurance company.You surmised maybe it was because of the lien.The illogical part was that having a lien vs full title would make any difference in the risk of mechanical problems.

As I said earlier, two years ago when I re-registered my car with the same insurance company (Tunick/Sterling) for the 5th or 6th year running there was a new requirement for a mechanic to complete a form attesting to its roadworthiness. And as I said earlier, I don't recall whether or not I received the same form last year - I simply mailed in my cheque and nothing was questioned. I'm surmising nothing because the OP's postings are unclear. I am now going to lay down on my back with four paws up in complete submission.

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Posted : June 5, 2015 5:48 pm
East Ender
(@east-ender)
Expert

IS THE car on a barge , is it in port, is it on the island not being released.
it cant have not been shipped and shipped at the same time.

Maybe it's Schrodinger's car?

P.S. It is a strange world where you post on a message board and a lurker texts you about your post! I know where you live!!:D

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Posted : June 5, 2015 6:02 pm
SausageInTheCan
(@SausageInTheCan)
Advanced Member

I have heard people use that reference before. There is no such thing as a "licensed mechanic" unless it's different here but I doubt it. Licensed would mean that they are state regulated and are issued a state license after passing a state exam just like a plumber has a license. New York, New Jersey and PA do not license mechanics. It's an unregulated industry. I don't know about any other states.
In order to perform emissions repairs and inspections for the state you need a license.

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Posted : June 5, 2015 6:24 pm
speee1dy
(@speee1dy)
Expert

east ender, i am very confused-nothing new but i am not sure who Schrodinger is and i am not sure about the bit about the private message.

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Posted : June 5, 2015 6:52 pm
OldTart
(@the-oldtart)
Expert

I have heard people use that reference before. There is no such thing as a "licensed mechanic" unless it's different here but I doubt it. Licensed would mean that they are state regulated and are issued a state license after passing a state exam just like a plumber has a license. New York, New Jersey and PA do not license mechanics. It's an unregulated industry. I don't know about any other states.
In order to perform emissions repairs and inspections for the state you need a license.

There are many states which require an auto mechanic to be licensed. Easy enough to google. In any event, yes, there are auto mechanics here who have a license from DLCA and in fact the Bureau of Motor Vehicles references a "certified mechanic".

PS: Here you go - http://work.chron.com/state-requirements-auto-mechanic-30132.html

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Posted : June 5, 2015 6:57 pm
SausageInTheCan
(@SausageInTheCan)
Advanced Member

So you're saying you have to take a government issued test here just to be employed as a mechanic in places such as Advance Auto, CAM or work for an independent garage.

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Posted : June 5, 2015 7:33 pm
OldTart
(@the-oldtart)
Expert

So you're saying you have to take a government issued test here just to be employed as a mechanic in places such as Advance Auto, CAM or work for an independent garage.

I have no idea,. You would need to contact DLCA for that information. The insurance companies who require a mechanic to complete a pre-insurance test require that that mechanic be licensed in the USVI. I took my vehicle to one of the dealers who has a mechanic shop and the form was duly completed by a licensed/certified mechanic.

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Posted : June 5, 2015 7:39 pm
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