Newly Purchased Car totalled?

My little sister (19) bought a truck and has owned it for 26 days. She had 30 days to get the tags changed, so dealer tags are still good on it. She didn%26#039;t have insurance yet because she couldn%26#039;t get insurance until she got the tags. Today, as she was leaving my house another lady ran a stop sign and t-boned her, totalling the truck. My sister was ticketed for no insurance- how much trouble is she most likely going to be in? We live in Tennessee and she%26#039;s never been in trouble for anything before. She bought from a little dealership that does their own financing and she was supposed to take them proof of insurance next week when she brought in her first payment. The other lady involved was charged with wreckless driving.

Newly Purchased Car totalled?

If she was driving parental unit%26#039;s car before getting this one, she might be covered by their policy for a short period of time...

If she had a car and it was insured before buying this truck, that policy should cover her also for a short period of time. Check with the family insurance agent.

they might be able to issue her a statement showing coverage for that time.

Or see if the Dealership has a master policy covering the car until she brought in proof of insurance.

Newly Purchased Car totalled?

In my State is is illegal to drive without car insurance. Since she did not have any, it is a civil matter, no insuance company is going to go after the gal that hit her. They are not obligated to, it is up to her to try to collect. As far as getting a ticket for it, it sounds as if it is against the law in your state to drive uninsured as well. I beleive your sister has learned a lesson about being an adult. One of many to come.

Newly Purchased Car totalled?

i really don%26#039;t think she will get in that much trouble because she has never been in that much trouble but she may have to pay some pretty high priced tickets

Newly Purchased Car totalled?

Well your sister may be lucky as the other person was at fault, though I am sure her company may fight it!

When you buy a car you are generally insured under your old policy until they are notified! No dealer or Bank I know will let you leave the lot with no insurance! If she had none to start off with she could have insured her license.

I don%26#039;t think I would have drove around 26 days with no insurance! They give you a temp Registration which could have been used to get insurance!

She will also have to get an SR22 from her insurance company and file it with the state for I think 3 or 5 years, which will kick her insurance up probably a thousand a year or so!

Newly Purchased Car totalled?

If in fact she had dealer tags on the truck then she was not required to have insurance the dealership was. If she had a temporary tag issued by a dealer then she will probably be fined and required to show proof of insurance on her next vehicle before she can renew her drivers license.

Newly Purchased Car totalled?

Considering the fact that it is illegal to drive in the state of TN without a license I would hope she gets nailed with large fines and loss of license for a long time but she probably wont. Probably a small fine and suspension of license until she shows proof of insurance.

The bigger question is what has the dealership said about the loss of the car? They%26#039;ll still expect payment.