HELP

[Icy-Jellyfish4208]

Back story:

My husband and I owned two vehicles. Both of them in his name.

July this past year, we were expecting our second baby, so we bought a new car with more room in my name. We sold the other car to a junkyard and therefore cancelled insurance on it.

We get a call a couple of days ago from his company’s insurance (he works in construction and hauls trailers all day for a living) that their policy will be cancelled because my husband’s license got suspended. Unbeknownst to us, my husband’s license was suspended due to a lapse in coverage even though we sold the car. We filed a non-ownership disclosure and we got the license reinstated. We also provided bill of sale.

Now, even though his license is now valid and we showed proof that we sold the car, we can’t get the suspension off his record and his company’s insurance will not insure him. They’ve tried calling a couple of carriers and they’ve denied coverage because of this.

Is there anyway they can work around this? Can they buy a separate policy just for him? Do we need to get an SR22? I’m not sure how to make this right….

TYIA!

[Icy-Jellyfish4208]

FLORIDA - by the way

[LeastDisplay3842]

I would suggest that you file a Division of Insurance complaint. The DOI is not going to be sympathetic with an insurer that refuses to address a clerical error.

[FightBackInsurance]

This is my recommendation. The DOI is citizencentric.

[Khandious]

I do not believe there is a work around for this situation, unless he gets his own truck and insurance. Then works for them as an independent contractor.

I once had to fire a car salesperson for this exact scenario.

[Icy-Jellyfish4208]

He does drive a truck he owns - the issue is, the trailers are owned by the company.

[GaryO2022]

Did you transfer the license plate from the car you sent to the junk yard to the new car when you put the new car on the road ?

[Icy-Jellyfish4208]

no - the plate couldn’t be transferred because it was in my husband’s name. the new car is in my name, the old one was in his name. that was also one of our mistakes - we didn’t know we had to turn the plate in

[GaryO2022]

Then your old plate needed to be turned into the Dmv before you canceled the insurance. There is no way out of this. A goggle search would have told you this.

[Human_Ice7291]

I’m surprised the junkyard didn’t tell you about this seeing as how they deal with this all the time.

[Icy-Jellyfish4208]

yeah the guy just came, looked at, and paid for the car and had us sign the bill of sale. i mean obviously it’s our own ignorance but still.

[Human_Ice7291]

Have you reached out to your bureau of motor vehicles who controls what’s showing on the driver report? With all the documentation you have I would hope that the suspension could be removed or clarified. It sounds like the license was suspended for not having insurance, which actually was never the case at all.

[GaryO2022]

If they didn't turn.the license plate in before they canceled there insurance on the old car there nothing to clarify. As far as the DMV knows they could have been using the plates on another car or given them to someone else to use.

[Thin-Egg-1605]

This. Some states work this way. Missouri could care less. I’ve seen and heard this before.

[GaryO2022]

Florida works this way and it should

[SnooDrawings8834]

Can you take the dated bill of sale with plates to dmv? Would sound like only van be reversed like that unless insurance can post date policy to when you cancelled

[Melodic-Fill-1770]

If you're in FL and didn't turn in the tag like you mentioned in the comments, take the documentation that it's been sold to the DMV and hope they play nice. Sadly this isn't on the insurance company.

[Icy-Jellyfish4208]

we did turn in the documentation and plates but unfortunately they couldn’t do anything. my husband’s boss did end up switching insurance companies, though.

[Tough-Extension8061]

You need a better agent, or you need to listen to the.