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We are almost there!!! Insurance?

 
threestak
(@threestak)
Advanced Member

Hey Guys!!!

I'm not sure any one cares, but I do!!! The tickets are booked for December 15. My wife and I will be there and we couldn't be happier about it. I know that there will be an adjustment curve, but at the end of the day I love change and I love the Caribbean and so I just can't wait to be there.

I'm just curious, how strict would they be about me not having insurance on my car immediately? I'm renting for the first month till I can find something on one of the island dealerships and I just wanted to know how strict the dealerships are about having your insurance before you buy a car? I'm waiting for my brother to arrive so we can just be insured under his policy.

Thanks in advance for your responses.

Raj H.

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Topic starter Posted : November 11, 2011 2:27 pm
Linda J
(@Linda_J)
Expert

You cannot license a car without insurance. And driving with stateside plates is llegal and will make you a rolling target for the cops.

Secondly, are you sure that your brothers insurance will be valid here? Very few stateside companies are licensed to sell insurance here.

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Posted : November 11, 2011 3:02 pm
lc98
 lc98
(@lc98)
Trusted Member

Good morning Raj -- congrats on having a move date! Woo hoo!

I'm not sure what you are asking -- are you bringing a car down? Are you driving someone else's car for a month?

As Linda pointed out, you can't go through the process of registering a vehicle here without having proof of insurance. And driving an unregistered car (without USVI plates) will get you pulled over fast -- sometimes on the way to the BMV, as one recent mover found.

If you are driving someone else's vehicle, you will be covered under their policy as long as you have their permission to drive the vehicle.

If you are renting a car, check on the rental agency's policy.

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Posted : November 11, 2011 3:15 pm
Rosenjack
(@Rosenjack)
Advanced Member

Threestak
just like lindaj said, you cannot register a car without insurance. USAA are the only stateside company that will insure if you qualify, Otherwise you will have to use the more expensive island ins companies.
Good luck!

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Posted : November 11, 2011 5:20 pm
lc98
 lc98
(@lc98)
Trusted Member

Oh, I think I understand now -- you're renting a car for a month while shopping for a car, but you will have cancelled any stateside U.S. coverage by then.

You should be offered the option to purchase insurance from the car rental agency when you rent. Some credit card companies MAY cover you if you use their card when you rent -- call and confirm the details first.

If you are doing a private rental, all bets are off. Be very careful.

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Posted : November 11, 2011 6:31 pm
Linda J
(@Linda_J)
Expert

And if someone will rent to you privately wtthout insurance, they are crazy.

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Posted : November 11, 2011 7:51 pm
Hiya!
(@Hiya!)
Trusted Member

If someone will rent to you privately they are crazy period. Even if the person you give your car too has insurance, if they get into an accident. The other car can sue the Owner of the car, not just the driver.

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Posted : November 11, 2011 11:01 pm
BeachcomberStt
(@BeachcomberStt)
Trusted Member

I know someone who rents their car to traveling nurses for extra money. I think it is stupid.

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Posted : November 12, 2011 2:26 am
threestak
(@threestak)
Advanced Member

You cannot license a car without insurance. And driving with stateside plates is llegal and will make you a rolling target for the cops.

Secondly, are you sure that your brothers insurance will be valid here? Very few stateside companies are licensed to sell insurance here.

Good Afternoon Linda,

I assume his insurance would mean squat here as he has Geico. I had planned on buying a car there, so I assume getting the USVI plates will be easier since I'm buying on the island.

Thanks for the help.

Raj H.

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Topic starter Posted : November 13, 2011 5:37 pm
threestak
(@threestak)
Advanced Member

Threestak
just like lindaj said, you cannot register a car without insurance. USAA are the only stateside company that will insure if you qualify, Otherwise you will have to use the more expensive island ins companies.
Good luck!

Hello Rosenjack,

Thanks for the heads up on which America Auto Insurance company is valid on the island. Let's me know that I'll have to end up getting insurance on the island!!!

Raj H.

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Topic starter Posted : November 13, 2011 5:39 pm
threestak
(@threestak)
Advanced Member

Oh, I think I understand now -- you're renting a car for a month while shopping for a car, but you will have cancelled any stateside U.S. coverage by then.

You should be offered the option to purchase insurance from the car rental agency when you rent. Some credit card companies MAY cover you if you use their card when you rent -- call and confirm the details first.

If you are doing a private rental, all bets are off. Be very careful.

What's Up fd,

You hit the nail on the head. I will be renting for a month or so until I can find a reasonable truck at a dealership. Thanks for the info on credit card companies that might cover conditionally.

No private rentals for me! I'm a pretty overly trusting individual, but even I'm not that dumb!!!

Now just need to figure out which auto insurance on the island is the best. Any suggestions?

Raj H.

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Topic starter Posted : November 13, 2011 5:42 pm
threestak
(@threestak)
Advanced Member

And if someone will rent to you privately wtthout insurance, they are crazy.

Hahahaha,

Aaaah Linda J, you make me laugh. (tu)

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Topic starter Posted : November 13, 2011 5:44 pm
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