It's entirely up to you, weigh the cost of your deductible vs paying for the 1700 outright.
Insurance Records of previous vehicle owner Insurance Records are protected under State and Federal Privacy laws. There is no legitimate legal reason for a person to want to obtain the "insurance records" of a previous owner. The attempt to do so could constitute an invasion of that persons privacy rights. Any coverage or compensation paid to a previous owner would not extend to the new owner as the new owner was not an insured and did not have a financial interest in the property (vehicle) prior to the purchasing of it. The previous insurers obligations was to the previous insured owner. Those obligations ceased when the policy expired, terminated or when the vehicle was sold to another individual. The previous owners insurance company has no obligation to someone who purchased the vehicle at a later date. If you are interested in the vehicle history, accidents, previous damage or repairs and such, this can be obtained through Car Fax and other similar on-line services.
You cannot remove them from your record in any way. Different insurance companies use different time limits in order to underwrite risks. Most insurance companies use the last 3 years in order to rate your insurance premiums. There are some companies that rate for the previous 5 years. These are the only two periods that I am aware of in rating. Time is the only factor that can help you with tickets and accidents. Tickets and accidents are actually never removed from your driving record but the rating period of the company determines how long they effect your rate.
There are so many factors in determining insurance premiums that it cannot be done in a forum like this. Some carriers that I represent use as many as 88 factors. Some of them are where you live, drivers ages, tickets and accidents, distance to work or school, previous coverage, previous claims, etc. etc.
You can not legally obtain a previous vehicle owners insurance information. Insurance policies and associated information are protected under state and federal privacy laws. There is no legitimate legal reason for anyone to want the previous vehicle owners insurance information. The previous owners auto insurance would have automatically terminated and all Insurer obligations ceased when the vehicle was transferred to another owner. Any previous insurance would have been for the benefit and protection of the named insured at the time and no benefit at all would transfer to a new owner. In short, The new owner has no right of claim against a previous owners insurance. If your just interested in the vehicle's history you can try a service such as Car Fax or the like to get those records without breaking the law and invading someone elses privacy.
Yes. The previous owners insurance policy coverage does Not pass through to a new owner. You can not ride off the previous owners insurance policy.If all you had was the previous owners insurance policy, Then you had no insurance at all. You and your property were effectively uninsured. If a loss occurred, payment would be denied based on the fact the the named insured (previous owner) no longer has an ownership interest in the property and the new owner never contracted for an insurance policy. The old policy does not belong to you as a new owner.The previous owners policy was a contract specific to that named owner and his or her owned property with the insurance company and was between them. Once they sell, it is no longer their property. A new owner is not a named insured under the terms of the previous owners policy. The previous owner being a relative does not change this..When a property sells or changes hands the previous owners Insurance Policy ceases the exact moment down to the exact hour minute and second of the day the property changes hands. All coverage under the previous owners policy stops, it is null and void whether or not the insurance company has yet been notified of the change in ownership.The new owner has a responsibility to purchase and qualify for his or her own insurance coverage. All Property Insurance policies are like this and it is clearly stated in the terms of the insurance contract.
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