sandyf, if your car is stolen and damaged, your insurance
will pay for it. They will then go after the person who
did the damage if they had insurance or if they didn't
that is why you have no fault or uninsured/underinsured
coverage. Mert, I think a rental on my insurance was listed
at $6 for the 6 months....

Gypsy, you still have not said what state this is and have
been very vague. Don't you have photo ID? If teens took
your car on a joyride in a small town, you situation would
be the talk of the town not them shunning you. It seems to
me there are missing pieces to this story. You reported the
vehicle stolen and now the police dont want to give it to you
or the police report when it is your vehicle. Makes no sense.
You can just report it to the local tv news there and you story
will be the lead in.



Edited 1 time(s). Last edit at 05/28/2014 12:06AM by techman01.

techman01 Wrote:
-------------------------------------------------------
> It seems to me there are missing pieces to this story.


QFT

So the extra buck or two I pay for rental coverage is for my at fault accidents and my uninsured motorist coverage pays for rentals if it is stolen or the other driver is at fault?

Yes, that is absolutely correct.

Kind of. If the other person is insured correctly their insurance will pay for it.

Good to know. Why I'm not exactly sure since having some wheels is all that matters to me

-



Edited 1 time(s). Last edit at 06/13/2014 02:04AM by gypsymonkey.

How can you have insurance on your car in a state
that it is not registered in?

LisaSTL, their liability covers damages to your
vehicle and you. That is why states require you
have liability but you don't have to have coverage
that covers your own vehicle because they only
care about what happens to someone else. Your
insurance company works it out with theirs but
you will not get less coverage because they
have less.



Edited 1 time(s). Last edit at 05/28/2014 12:25AM by techman01.

-



Edited 1 time(s). Last edit at 06/13/2014 02:05AM by gypsymonkey.

Wouldn't your Driver license clear up most of this stuff. Towing is expensive, and I understand nothing can be done until the car is out of the towers......but, registration, which is normally in the car along with your license should start the ball rolling.
The car does not sound like it is totaled, take a step back and re-evaluate what you need to do, and good luck!

Is the DL, registration, bill of sale, and insurance all in the same name?

Phoebe, I was thinking that this was a Cettie adventure, too, but it seems that Gypsy has it pretty bad.

I agree with the others that you need to find a TV station, Gypsy. They are always looking for something unique.

I have met professional truck drivers who have a residence one place, the truck registered in another, and a temporary residence in another state. I had to know that related to my other job. I think this is mostly for those who travel around because of the oilfield, not the long-haul ones we are used to. None of their situations are as complicated as your situation, Gypsy. It never occurred to me that lack of a permanent home would cause all that mess. What do the regular RV'ers do, those who retired to the life?

I have friends who used to keep a voting residence, their bank and their doctor here while they lived in an RV near their children's homes. My job, before computers, was to collect their checks from the post office (They worked odd jobs and telephone consulting at times.) and deposit them in their bank. Sometimes I had to get them out of jury duty. They voted absentee and visited the doctor once a year.

Is there a vagrancy law in that town? Every scenario I can think of does not say that it would include that.

I have a headache.....

gypsymonkey Wrote:
-------------------------------------------------------
> Techman - when you are dressed in jeans & tshirt,
> smell like a campfire, & have a dog that looks
> pitbull, you are considered a homeless bum.

No, you are not. You are considered a hiker, backpacker or camper. I have looked liked that for years on my outdoor adventures minus the pit bull.

And I take offense to your generalization of nastiness of New Englanders. I have had some of the best experiences of my life exploring all the back roads and small towns of New England. Being in New England, you are surrounded by the Green Mountains, the White Mountains and the Berkshires. The residents of those towns are used to seeing people dressed for the great outdoors. I have had some of them invite me into their homes for food and conversation.

And as far as leaving all your paperwork in the car, you NEVER leave the title to your vehicle in your vehicle! That is car ownership 101. Anyone who gets their hands on that title can just sign it over to themselves and they are now the owner of that vehicle.

Something is not adding up here. Are we being Catfished?

Ok Gypsy, I am not going to say what you should have done or what kind of insurance you should have gotten. And I don't know what stage of departure from New England you are in. But my suggestion is to get a copy of your license, registration and proof of insurance. If it is in your truck - get it. If you have copies on your person all the better. That should be sufficient to prove to the police that you own the truck. Next, get a police report of your stolen vehicle. Next contact your insurance company with this information. If, at that point, you want to get to NJ to buy another truck you will have the insurance company on your side. And, by the way, the tow truck company nor the police can declare that your truck is totaled. That is up to the insurance company.

If you don't have a license, registration or insurance, you are in deep @#$%&.

Shop2LiveinFL Wrote:
-------------------------------------------------------
> gypsymonkey Wrote:
> --------------------------------------------------
> -----
>
> Something is not adding up here. Are we being
> Catfished?

Shop2 - What is catfished?

Shop2LiveinFL Wrote:
-------------------------------------------------------
> Something is not adding up here. Are we being
> Catfished?


Considering she hasn't hit on any of us I'm going with no? Oh wait. There was that strange conversation between her and mrcomputerhead about leather underwear that honestly kind of made me uncomfortable. But otherwise nothing that I've noticed.

Now, are we not being told the whole story? Almost definitely.

techman01 Wrote:
-------------------------------------------------------
> sandyf, if your car is stolen and damaged, your
> insurance
> will pay for it. They will then go after the
> person who

>This has not been my experience with my insurance. Perhaps it is a state thing. Our cars have not been stolen but we have been hit by people with either no insurance or not so good insurance. Our company has covered it for us but if we did not pay the amt for the rental car on our policy we would not be reimbursed for a rental car. I happen to have excellent insurance from a fantastic company so perhaps this is how it works here.
I also have been aware of two instances my family has been involved in in smaller towns. In both cases the youngsters involved were well known to the community and one of the group had been a member of someone's family in law enforcement there. Even though the town was abuzz with the story, no charges were ever pressed. In both cases these were house break-ins while the family was out of town one very small town in the east and one small city in the south. My sister in laws car was stolen during the break in in the south and later found. It was the son of a police official. He was never charged even though he was seen with the car.
So, I would not be totally surprised by much. If the car is considered a total loss, you do not get it back here in Calif as it belongs to the insurance company. My car was totalled and it took a lot of talking to get them to let me go and collect some personal belongings. I think that Gypsy said it might not be totalled however if the insurance company has not yet made a determination they may hold it until that time. I remember at the time when my car was "totalled" it was because the repair was more expensive than the car was worth so the insur company decided to total it rather than pay to have it fixed when it could have been.
Anyway those have been my personal experiences.

@ LIJake ~ [www.urbandictionary.com]

I wasn't using it in the sense of the first definition. This is definitely not a romantic situation. I meant it more in the sense of...

Definition #2 - Fooled, hoaxed, pranked.

Definition #3 - having a relationship of any sort with someone on social media that isn't who they say they are, by using someone else pictures or living a totally different lifestyle than what they told you.

A conversation about leather underwear made YOU uncomfortable. Puhleese

bgriffin Wrote:
-------------------------------------------------------
> Oh wait. There was that strange
> conversation between her and mrcomputerhead about
> leather underwear that honestly kind of made me
> uncomfortable.

Thanks Shop2. I learn something every day. Maybe next I'll learn what lol means.

Why can't I get the word "Bi Polar" out of my mind.....

I also pay a nominal additional amount on my insurance for car rental coverage.

It seems to me that Gypsy is not living the life within the conscripts of what is considered the norm here in this country. She explained something about her lifestyle in another thread a month or so ago. Many people seem to always be suspicious of someone without the trappings of "normal" such as a house to live in with a permanant address. There is a big difference between what the usual "bum" looks like who is wearing a plaid shirt and a backpack and what a backpacker looks like, even in my experience when the backpacker is coming home after several days without a shower.
But having all your forms of ownership and proofs etc from different states will always raise a red flag. I doubt they care where you go to the doctor or get your mail but the states I have lived in have definitely cared where you had your car, your house, yourself and your car insurance registered. In the many states I have lived in you were required to change all these things over to your current state within a short time after moving there. In fact, my daughter lost her Calif driving license not long ago. Even tho she moved to Louisiana 2 years ago she still has a Calif drivers license. The only way she could get a new copy was to fly here...they told me that if you are gone more than 30 days, even on vacation, you are supposed to re register in the new state. It seemed a somewhat stringent and unbelieveable rule to me but when I researched further I found it is true .Not everyone re registers but that does not mean it is legal not to. If you do not keep these things in line, it is when you get caught such as in an accident or a stolen car when not aligning these governmental requirements can catch up to you. Many people who are on the road choose one place to be their "home". Perhaps it is the address of some family member or even the place they live more time than elsewhere. I thought Gypsy, you said you had a backwoods home somewhere....so for you I would think that is where your state would want you to register and perhaps where you were planning to.
Anyway, this sounds like an awful mess for you Gypsy and I hope it works out quickly. You might come out of it with the newly found reason to make sure your legal ducks are in a row in the future.

sandyf Wrote:
-------------------------------------------------------
> It seems to me that Gypsy is not living the life
> within the conscripts of what is considered the
> norm here in this country. She explained something
> about her lifestyle in another thread a month or
> so ago. Many people seem to always be suspicious
> of someone without the trappings of "normal" such
> as a house to live in with a permanant address.

I have not read other threads from him/her. I came across this one today/tonight so I have no judgment of lifestyle, just of this situation and not all of the stories adding up.



> There is a big difference between what the usual
> "bum" looks like who is wearing a plaid shirt and
> a backpack and what a backpacker looks like, even
> in my experience when the backpacker is coming
> home after several days without a shower.

I guess you have never done a thru-hike on the Appalachian Trail.

Dear Darling gypsymonkey,

Do give yourself more credit. You are no different than anyone in that town. You don't know what they think or feel. Its what you think and feel, that expels your energy. You are not below anyone person and no person is above you. You are one of God's beautiful creatures and do not forget it. Expect nothing less period!. Know-one has to live life like they are slinging hash or showing it, there are resources. Hotels, offer free internet in many places, volunteer (get involved with the community), churches, YMCA are great resources, the government is helpful with schooling, housing etc. Actually its amazing what the government and locals has to offer.

1. You should be able to go to any Department of Motor Vehicles with your ID and obtain a copy of ownership or something linking you to ownership.
2. If the car is totaled they can not release it until the report is complete (with the police report) and it is considered salvaged.
3. Once the police report is complete you have a right to have a copy.
4. You should have a option of cashing out the salvaged vehicle (why) or cashing out for the totaled amount when the report is complete. That will not take long.
5. If you do not know if your insurance company covers rental ask. If they found the people whom stole your car they are responsible for any damages and rental. If they have insurance you can claim it from there insurance company, if not you can go to small claims court.
6. If you have renters insurance it may cover your laptop and phone.
7. your insurance company is the key. They are the mediator they work for you.
good luck

bless

x



Edited 1 time(s). Last edit at 05/28/2014 05:25AM by Xzodx.

Hoping things work out for you Gypsy, that is one hell of a bad day.

PS - I have read some of Gypsy's other posts and she lives a very interesting life of MS'ing on the road.

It is a true shame if she is being treated poorly because of someone else's assumptions. Everybody has a right to live life the way they see fit and she has come up with a truly interesting way to do it. More power to you Gypsy.

GM, where are you now? Did you leave your truck behind? One of your earlier notes said you had to hitchhiked out of the original area, so where are you? You are traveling with two dogs, so you can't not be seen. You also said that you stayed in a crappy motel without internet but do you have enough funds to be out of your "normal" element?

I don't know what I can do for you or to you but is there anyway I can help you? Do you have any internet or wifi/mifi access? Can I send you something via internet? or tell me where you are I'm come get you.

Just b/c you did not re-register your motor vehicles credentials doesn't mean they are invalid. If they were don't you think the police would have arrested you on the spot. *(I think your doggies scared them more.) Maybe the next time keeping the original affidavits in the dog carrier or collar."

Well it is early in the morning but I guess we all have to lay our heads down somewhere. Be careful and the stars will shine on you.

Life can be tough when you spiral downward from one bad situation to another without a safety net at any one one of the falls. I feel for you and would urge you to find legal aid through any and every public entity and non-profit. YOU have a mess to clean up.

Take care

Gypsy:
Sorry to hear of your troubles. Hope things get better real soon.