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Old 05-09-2007, 07:14 PM   #1
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Question about insurance/title.

I have owned a 1998 Suzuki gs500 since December of 2006. This was my first bike to own so I didnt know a lot about titles/insurance or anything when I got the bike. I went downtown to try to get the title put in my name but I didnt have insurance so that didn't happen. I got insurance a few weeks later but I never got the chance to go get the title in my name.

Fast forward to today.....I bought a 2003 Ninja 636 today! Yay! I paid w/ a check so Im going to pick up the bike tomorrow once the check clears. I just got insurance for 12 months on the 636 so I wont have any problems getting the title put in my name tomorrow.

Here is the question. Since I have motorcycle insurance will I be able to get the gs500 title in my name now or will I need to have that bike insured also? I want to sell the bike asap so it would pretty much be pointless for me to buy insurance for it. Someone said I might be able to buy insurance for the bike then cancel it after a month and get the amount I paid added twoards my 636.

Does anyone know what I should do? I want this bike to be in my name so I can sell it ASAP. I dont want to put it up on craigslist etc until I get this taken care of. I have a feeling im going to need to buy some KY before I take care of all this because I know they're going to ruthlessly do me from behind. Anyone have any suggestions? I want this to be as cheap as possible so any suggestions would be appreciated.

On another note, I cannot wait to get my 636. Thanks everyone.
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Old 05-09-2007, 07:18 PM   #2
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Do you have the old title for the bike, the title with the other persons name? If so and the back of the title was not filled out you can sell it like that, if the buyer will do that. Then the new buyer fills out the back of the title and gets a new one.

Yes you will need insurance on the gs to get a title in your name, yes cancel it after you sell it.

If you never got the old title for the GS, then you may need to contact KY directly and order the biggest tube of KY they have.

To put the title in you name you will have to pay fees and tax, all of that will go down the drain when you turn around and sell it.
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Old 05-09-2007, 07:19 PM   #3
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you'll have to sell it for less because of the leg work the next person will have to do....I would bargain down for that reason so ask for a little more so you will get what you really wanted for it. Be upfront about the paperwork or you will turn away potential buyers.
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Old 05-09-2007, 07:19 PM   #4
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Do you have the title?

Is it dated by the previous owner?

You might be able to give the title to the new owner and have them put it in their name without any costs incurred.
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Old 05-09-2007, 07:24 PM   #5
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If you got insurance now, you can add the gs500 on that policy, then once you get title on your name to the gs500, you can turn around and sell it and then get the gs500 off your ins......
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Old 05-09-2007, 09:51 PM   #6
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I have the title. It has been signed by the previous owner over to me and I have the bill of sale.
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Old 05-09-2007, 10:33 PM   #7
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In Texas you only need proof of insurance on "a motorcycle" to get a title transferred, it does not have to be specifically on the bike you are transferring.
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Old 05-09-2007, 10:49 PM   #8
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as long as the title isnt dated you can say you just got the bike...... current ins. covers any "new to you" bike since you have bike ins or car if you had car ins for 30 days from date of purchase
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Old 05-10-2007, 09:05 AM   #9
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Quote:
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In Texas you only need proof of insurance on "a motorcycle" to get a title transferred, it does not have to be specifically on the bike you are transferring.
Well I hope this is right. If so, I wont have a problem transfering the title.
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Old 05-10-2007, 01:15 PM   #10
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they don't compare VIN's when looking at what you have insured versus what you are transferring title on?

That seems strange.
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Old 05-10-2007, 01:35 PM   #11
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Take the insurance card that you have for the Kawi,

On a Word Perfect document, type out Suzuki GS500 and whatever other info you need VIN, etc., print it, and then cut it out.

Tape the Suzuki stuff over the Kawi stuff and make a photocopy.

I wouldn't feel bad about forging an insurance card under these circumstances - the folks at the DOT will only give it a cursory glance anyway.

But if what Patrick said is true then this is a moot point anyway.
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Old 05-10-2007, 01:41 PM   #12
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Ummmmm, suggesting that someone forge an insurance document is not wise advice and might have more consequences than they want if challenged at the DOT office.

Penalties for sure will be more than a months insurance.
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Old 05-10-2007, 01:46 PM   #13
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All my insurance cards are fakes.
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Old 05-10-2007, 01:48 PM   #14
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Just kidding of course.
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Old 05-10-2007, 01:50 PM   #15
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And yes, if you want to do it the legal way, you can buy a month of cheap insurance, get your card, then cancel it.

Your provider will refund you the pro-rated difference.
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