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what's up with the Catch-22 with getting car insurance to clear Customs without an address on USVI? Not USAA

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butchCondor
(@butchCondor)
Advanced Member

I've been searching for a few days trying to find a company that is licensed to sell auto insurance in both the USVI and the mainland US, USAA is the only one I've found that can do that. However, I'm am not eligible for USAA.

My current insurance policy is up on March 8th. I'd like to find a company that can cover me on the mainland and when I arrive on STT in May.

I'm trying to figure out how to get my car through Customs, If anyone knows of an agent who can do this for me when my car arrives, that would be great, perhaps the agent would know how to get the insurance or whatever is needed to clear Customs without a address. If you know of someone who can help me, please provide me with a way to contact them. What about getting a address through one of the mailbox places? .

Any help would be greatly appreciated.

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Topic starter Posted : February 29, 2016 8:23 pm
OldTart
(@the-oldtart)
Expert

Call Stephanie Scott-Williams at 340-775-0635. Her company is, "I'll Do It For You" and she'll be able to take care of it.

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Posted : February 29, 2016 9:05 pm
Exit Zero
(@exit-zero)
Trusted Member Registered

I would not hesitate to call Daniel at Beep Business Services 340-776-8720 and ask him your questions and recommend using his services as well.

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Posted : March 1, 2016 5:04 am
speee1dy
(@speee1dy)
Expert

do any of those offer mainland insurance coverage ?

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Posted : March 1, 2016 10:42 am
East Ender
(@east-ender)
Expert

Butch: I'm pretty sure you are going to have to get local car insurance which will go into effect when you arrive. There is no such thing as insurance that is effective in the VI and in Big America. The local Lt. Governor's office regulates the insurance industry.

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Posted : March 1, 2016 11:01 am
Alana33
(@alana33)
Expert

Looks you may just have to renew your stateside insurance and then cancel when you ship car. Talk to your present agent. Maybe you can renew for a shorter period but you should be able to get back any unused portion of insurance from dates you no longer require stateside insurance. It works that way for homeowners insurance when a home is sold or transferred.

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Posted : March 1, 2016 11:18 am
watruw8ing4
(@watruw8ing4)
Trusted Member

Renew your mainland insurance, then cancel once the car is shipped. They should pro-rate and send you a refund.

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Posted : March 1, 2016 11:18 am
caribstx
(@caribstx)
Trusted Member

People bring cars here all the time...there must be a way.

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Posted : March 1, 2016 11:18 am
speee1dy
(@speee1dy)
Expert

there is a way. i had my stateside insurance until i got here and got a new policy with a local agent.

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Posted : March 1, 2016 4:26 pm
Dante
(@dante)
Advanced Member

there is a way. i had my stateside insurance until i got here and got a new policy with a local agent.

Same here .

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Posted : March 1, 2016 6:12 pm
speee1dy
(@speee1dy)
Expert

(tu)

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Posted : March 1, 2016 6:36 pm
butchCondor
(@butchCondor)
Advanced Member

thanks a lot guys, I got a hold of Daniel at Beep Business Services he's going to get the car cleared for me

Again, thanks for your help

Butch

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Topic starter Posted : March 1, 2016 9:18 pm
Jim Dandy
(@jim_dandy)
Trusted Member

Also remember that when you get auto insurance in the USVI it won't cover you in the 50 states unless you buy additional coverage.

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Posted : March 2, 2016 12:05 am
caribstx
(@caribstx)
Trusted Member

Also remember that when you get auto insurance in the USVI it won't cover you in the 50 states unless you buy additional coverage.

Its hard to drive to the other 50 states from here.

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Posted : March 2, 2016 11:17 am
janeinstx
(@janeinstx)
Trusted Member

Also remember that when you get auto insurance in the USVI it won't cover you in the 50 states unless you buy additional coverage.

Its hard to drive to the other 50 states from here.

I think his point is that if you go to the states and rent a car your policy here doesn't cover you.

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Posted : March 2, 2016 12:49 pm
caribstx
(@caribstx)
Trusted Member

Aha!

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Posted : March 2, 2016 1:04 pm
Jim Dandy
(@jim_dandy)
Trusted Member

Not just rental cars, but if you visit family or friends and borrow a car you have no insurance.

USAA is the exception to this catch 22. They cover you in the states.

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Posted : March 2, 2016 10:14 pm
Scubadoo
(@Scubadoo)
Trusted Member

Fortunately the reverse is not true. Stateside policies typically do cover short term rentals in the VI and PR.

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Posted : March 3, 2016 1:31 am
janeinstx
(@janeinstx)
Trusted Member

(tu)

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Posted : March 3, 2016 8:10 am
mtdoramike
(@mtdoramike)
Trusted Member

My question is, Is your vehicle paid for or is it still under lien? Most financial companies do n ot allow a vehicle to leave the main land if it's still under lien. So I hope you check this out BEFORE you transport your vehicle.

mike

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Posted : March 3, 2016 12:00 pm
butchCondor
(@butchCondor)
Advanced Member

I want to thank you and the others for all your help, you guys are awesome.

I own the car, I think until I know what is going on, I don't need any monthly car payments, I'm coming down there with a clean slate, no debts or monthly payments, not even credit cards.

It was a hard decision to ship the car, it's a 2005 Toyota Matrix, I almost decided to buy another car when I got there. But, I know this car, no unseen problems, I'd hate to buy another car that has someone else's problems. I think with the mileage, 131k I still have a couple of years of service, Toyota makes a damn good car, in my research for suspension to deal with potholes and bad roads, Toyota came in 2nd, believe it or not Honda was rated with the best suspension, above Range Rover.

I have someone who will help me with clearing the car through Customs and to deal with insurance when I get there. He'll even deliver the car to the airport for me to pickup. Now, this is the kind of help I was looking, my car problem is now solved.

Again thanks to all
Butch

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Topic starter Posted : March 3, 2016 1:47 pm
caribstx
(@caribstx)
Trusted Member

I'd ship the Toyota for sure. 131k is nothing on a car like that!

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Posted : March 3, 2016 2:02 pm
mtdoramike
(@mtdoramike)
Trusted Member

Yep, sounds like you are off and running. Enjoy your moment in paradise. My motto is, a bad day on a tropical island is better than a good any where else.

mike

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Posted : March 3, 2016 5:42 pm
speee1dy
(@speee1dy)
Expert

i shipped my paid off car that i bought new down here too. i would rather have a car i know instead of one i dont

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Posted : March 3, 2016 6:14 pm
butchCondor
(@butchCondor)
Advanced Member

About getting the car inspected, I have a "RED" light for the airbag on the dashboard, it's disconnected. The reason I disconnected it is because there is a recall on the airbag from Toyota. There is a chance that if the airbag is deployed metal fragments will fly out and act as bullets, it can be fatal. Instead of taking a chance of being shot by my airbag, I disconnected it.
I was thinking about taping a copy of the recall on the dash, so anyone who inspects the car will see the recall and know there is not a problem with the “RED” light, it was disconnected for safety until Toyota has the parts to fix the problem. I’ve called them twice in the last year and a half, with no date in sight as to when they will have the parts to fix the problem.
My fear is some tight ass inspector who doesn’t have the intelligence to see I’m doing the right thing because the rule book might say if there are any problems the car will not pass the inspection.
My question is, what is the criteria for the inspection? Do they nitpick, looking for any reason to fail a car,or fail an inspection if there is a real problem, bad exhaust system or anything else that may not work and make the car dangerous to drive?
.
Butch

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Topic starter Posted : March 4, 2016 11:04 am
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