accident on I90 in US with plate from another car

[ironryder]

OK here is the story.bought a car in NYC in late march this year,i just slap my Canadian plate on and way i went(imported 2 bikes same way without problems).on my way back near Utica,i hit a snow storm and went into the grad rail.trooper came and gave me a ticket for unsafe lane change, as his way of giving me a brake since i told him i got the car in the morning.car was tow and he drove me to a hotel and i toke a bus back the next day.a week later pick the car up with a flat bed and imported and pay the ticket.i fix the car myself and didn't reported to my insurance.

Now the problem is that the state send me a letter and is billing me for the grad rail for $1800 and said will notify my insurance company directly if they don't hear from me in 15 days.

Question is will my insurance company knows any way?or should i just pay them so my insurance won't find out? any better suggestions as what i should do?

A friend said that my Canadian plate should insure the car that i put the plate on,any truth in that? but i prefer to not let them know since i have already fix the car. thanks for any help

[bear22099]

Even if you hit a guard rail here they will bill you for it. You need to decide if you want the insurance to pay, or you just pay it. Does it really matter now if the insurance finds out? Either way, you will pay for it.

[LiNK666]

Pay them and take the hit. $1800 is peanuts compared to what the insurance company will ding your ***.

[rukus]

pay it. you illegally swapped the plate onto a vehicle that it was not registered to. cut your losses.

[ironryder]

i think i should pay it,just don't want to pay it and my insurance finds out some how and jack my rate anyways you know.if my rate get jack up,then let them pay it.
any of you work in the insurance industry? knows how is it actually works when something like this happened ?

[GreyGhost]

I doubt your insurance covers this, pay it and hope they don't find out. What if you insured a ford focus and popped the plate on a viper to drive it, would insurance cover you in a wreck? I highly doubt it.

You got off lucky not being dinged for no insurance, as long as the state gets their money, I can't see a bureaucrat bothering to report it to insurance. Another vote for pay it and move on.

[Platinum Cycle]

Your insurance, assuming you already had another car with coverage on it, would extend to this new car as a "newly acquired vehicle", subject to certain conditions.

It's outlined in Section 2 of the Ontario Automobile policy.

Send me a PM if you want, I'll need a little more info (i.e. how many cars you own, are they all insured with the same company and what coverages you have on each car) and from that I will be able to tell you what coverage might be available for the new car.

P.S. This must also have happened within 14 days of taking delivery of the new car.

[FiReSTaRT]

In any case you're better off paying it than having an at-fault on your record for 6 years. $1800 is peanuts

[djltoronto]

pay it. you illegally swapped the plate onto a vehicle that it was not registered to. cut your losses.

It "may" be legal.

Temporary use of plates(3) Despite section 12, a person to whom number plates have been issued under subsection 7 (7) for a vehicle the person no longer owns or leases may affix the number plates to a similar class of vehicle that the person owns or leases where it is done in accordance with the prescribed requirements. R.S.O. 1990, c. H.8, s. 11 (3).

Idem
(4) Despite section 7 and clauses 12 (1) (d) and (e), a person may drive a motor vehicle or draw a trailer on a highway within six days after becoming the owner of the motor vehicle or trailer where the person complies with the prescribed requirements. R.S.O. 1990, c. H.8, s. 11 (4).

[rukus]

for a vehicle the person no longer owns or leases may affix the number plates to a similar class of vehicle

key point?

plus for the part platinum mentioned, do you not have to inform them that use will be using the plate on another vehicle?

[djltoronto]

key point?

plus for the part platinum mentioned, do you not have to inform them that use will be using the plate on another vehicle?

Who is them?

You do not have to inform the MTO - that's why this clause was created.
You would need to obtain insurance I presume.

[niagara_ridder]

If you insure another vehicle you are afforded 14 days for a newly aquired vehicle. They will back bill your premium though, but there should be coverage provided you have a valid policy somewhere.

[rukus]

but are you not required to contact the insurance company ("them"), to request coverage to said recently purchased vehcile?

iirc, there is not an "assumed" 14 grace period where you can share plates.
also, to do this, does not the title need to be in the new owners name, not just signed over?

[bear22099]

but are you not required to contact the insurance company ("them"), to request coverage to said recently purchased vehcile?

iirc, there is not an "assumed" 14 grace period where you can share plates.
also, to do this, does not the title need to be in the new owners name, not just signed over?

You have 6 days to notify ministry of changes, right?
And you have 14 days to tell insurance company, right?

To me, that means I have 6 days to tell the ministry

I have purchased a car
and
want the ownership moved into my name
and
I have 6 days to inform the ministry that I have taken the plates off of a car I own
and
put them on a car that I just bought
and
I have 14 days to tell the insurance company about the new car.

Sounds simple to me.

[VifferFun]

You have 6 days to notify ministry of changes, right?
And you have 14 days to tell insurance company, right?

To me, that means I have 6 days to tell the ministry

I have purchased a car
and
want the ownership moved into my name
and
I have 6 days to inform the ministry that I have taken the plates off of a car I own
and
put them on a car that I just bought
and
I have 14 days to tell the insurance company about the new car.

Sounds simple to me.

You have 6 days to notify the MTO of the change in ownership of the vehicle, but I don't think this means that you can simply slap the plate from one of your other vehicles on the newly-acquired vehicle without notifying the MTO. Ownership and plates are two different topics. Having ownership of a vehicle does not mean that it's plated.

[VanillaGorilla]

OK here is the story.bought a car in NYC in late march this year,i just slap my Canadian plate on and way i went(imported 2 bikes same way without problems).on my way back near Utica,i hit a snow storm and went into the grad rail.trooper came and gave me a ticket for unsafe lane change, as his way of giving me a brake since i told him i got the car in the morning.car was tow and he drove me to a hotel and i toke a bus back the next day.a week later pick the car up with a flat bed and imported and pay the ticket.i fix the car myself and didn't reported to my insurance.

Now the problem is that the state send me a letter and is billing me for the grad rail for $1800 and said will notify my insurance company directly if they don't hear from me in 15 days.

Question is will my insurance company knows any way?or should i just pay them so my insurance won't find out? any better suggestions as what i should do?

A friend said that my Canadian plate should insure the car that i put the plate on,any truth in that? but i prefer to not let them know since i have already fix the car. thanks for any help

beautiful butchering of the English language, well done sir!

[nobbie48]

You broke so many laws so you will want to pay it fast and polite. The faster it's in the closed file the better. If the crash had been serious enough to warrant more investigation it would have put you into jail and bankruptcy.

[cutsheal5]

you can leagaly drive a car with a plate from another vehicle for 6 days.... what you must have. The ownership for both vehicles, plates matching the ownership that is in your name for the car you own, valid insurance for the car you took the plates off of, and a bill of sale for the car you just bought.

i have been pulled over like this and there is nothing they can do in canada anyways.