NLIC.org

Roy Said:

How do I get a friend's car off of my registration and insurance?

We Answered:

autoinsurance.maclenet.com - try this one. I have their car insurance and, as I know, they can provide such a service.

Andre Said:

Commission for Title Agent?

We Answered:

Can't speak for NJ specifically, but the commission rate on Title Insurer is 60-90%; this will vary based on the arraingement the title company has with whomever is the lead underwriter and/or insurer.

The loss ratio for title insurers is very low (5-10%) so they need to get very little premium to cover losses.

Alan Said:

Insuring Out of State Brother's Car?

We Answered:

no. the vehicle must be insured in the state it is licensed in and must but insured by the person who is named on the title. You could have him put your name on the title??? and then you could insure the vehicle in your name. Just an option.

Olga Said:

Auto Insurance on a Salvage Title?

We Answered:

You need to contact you Title office/DMV. Each state has different laws. Most states have laws that once that title is changed to a salvage title it is illegal to drive on the road until it is repaired and inspected by the state highway partrol. They will then give you documents to take back to the title office/DMV, if it passes inspection, to get a rebuilt salv title. At that time you can legally drive it and insure it. The value may be decreased though so keep that in mind if you want to carry full coverage.

Wade Said:

Insurance for deceased mother's car?

We Answered:

First, I'm very sorry for your loss.

In California (and other states are similar) your sister can sell the car while it's in your mom's name. She needs an additional piece of paper signed by you, the executor of the estate. In CA it's REG 5 Affidavit for Transfer without Probate. It's a paper stating where and when she passed and who can sign for her.
You sign it and the title. You sign your mother's name and your name next to it. Title and Affidavit are DMV forms signed under perjury of law of course.
Give these signed papers to your sister, and she can act as your personal assistant by doing the legwork for finding a buyer.

Make sure you also sign the release of liability so sister can turn it in after she sells the car. It prevents the DMV from sending future notices about the car to the old address.
In CA we have to get the car smogged before we sell, but I don't think you do. New Jersey DMV is:
http://www.nj.gov/mvc/

contact the insurance company and update them. Follow their suggestion.