Car insurance at 341 meeting?

[Blue_Tech]

I got my "Order to Debtor" today, and on it is listed the paperwork that the trustee wants. Nowhere on this letter is proof of car insurance listed or even referred to.

I also got a letter from my lawyer, who advises to bring proof of car insurance (and proof of prior 90 days coverage) to my 341 meeting, if I am planning on keeping my vehicle.

Problem is, my vehicle is parked, I'm not driving because I have no license. No license = No insurance.

Has anyone been asked to show proof of insurance at the 341? Is this a requirment that they neglect to list on the Order to Debtor?

[sunshine08]

Good question. Call your attorney, remind him of that, he may have forgotten your particular situation. (those are usually generic form letters anyway) Our attorney directed us to their website and a couple other places when I asked about taking any documents. Come to find out she knew we probably wouldn't be asked for those at the 341, but wanted us to "feel prepared" I guess. We didn't even have to show any id.

[StaciMM]

Is your car financed? I think this is the situation where they need to see proof of insurance.

[Blue_Tech]

Yes, the vehicle is financed. And yes, I know that lending institutions require insurance while financed. Lets just say my banker has been good to me.

I'm wondering if I can get my girlfriend to carry my truck on her policy, at least till November for my 341 meeting. Is it possible to own a vehicle but someone else insures it? The insurance companies dont seem to like answering this question.

[StaciMM]

I don't know about that Blue. If it isn't insured, though, and the trustee asks about it, he may throw out any expenses you claimed for your vehicle.

If the trustee doesn't bring up-you shouldn't either. Guess its a 50/50 shot you have.

[HHM]

Generally, the trustee won't care about car insurance. Its the lender that cares. Since you are technically in breach of the terms, if the lender finds out, they can move to lift the automatic stay and attempt to take the car. However, I doubt they would do that so long as you are current on payments. If you are not current on payments, then you will need to show proof of insurance to have any hope of keeping the car.

[Blue_Tech]

Thanks for your responses. Yes, my payments are current. I've spoken with 2 other BK survivors who were advised to bring insurance papers, but were not asked to show them.

So.... we'll see. Thnx guys.