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 Posted: Mon Apr 27, 2009 7:17 pm Post subject: bad driving record |
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My husband has had bad luck with driving in Jan of 08' his trailer jack knifed the side of our avalance in snowy conditions. In June of 07' he borrowed my aunts car to go get his paycheck and lost control on a dirt road and hit a dump truck. In may of 08' he totaled my monte carlo when driving to work late at night and swirved to miss a deer. He has a speeding ticket on his record from sept. of 08' when he was gaining speed to go from a 35 to a 55. No OUi's or DUI's. My liscense has one speeding ticket back in 06' and one accident when a woman pulled out in front of me. State farm was my carrier for 12 years and would not renew my policy. So i went to TD insurance, they carried me for 1 mth and dropped me. So i went to Hartford the same thing happend they are only willing to keep me until may 19th . Progressive will carry me for 2600.00 every 6mths. Would it be cheaper to insure my husbands liscense? Both vehicles are in my name with the exception of the car, its both of ours. We live in maine so i'm not sure if there are diffrent laws here or not. We need full coverage, both vehicles are financed. PLEASE..... helppp.
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lissa 1
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| Posted: Mon Apr 27, 2009 11:53 pm Post subject: |
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Oh honey...well to be honest, I tell ya' what I'd do, and perhaps your only option short of paying huge premiums.. sell his vehicle, buy one that you can pay for, (no lein) put liability only on it, and exclude him from your vehicle...remembering if you do so he can NEVER EVER drive it, (there would be NO coverage)....until his driving record is cleaned up some...I really don't see any other way, and that's only 'if' Maine allows spousal exclusions...it seems you have gone to several carriers with the same result...if the above is not an option then I would say go to an 'independent' agent, (one that sells for many carriers) go in and set down with them, and tell them everything they should have access to many different companys, and plans, maybe they can rate him in a high risk company and you in a general company? unfortunately his bad luck is going to affect you for some time (minimally three years, would be my bet)....
I'm sorry, I can't think of any other way out of this, perhaps others will drop in on the thread with other/better suggestions....hang in there..
oh wait i just thought of something...most states REQUIRE that ins company take a certain number of 'hard to ins' folks...however, I don't see it on their site, (i'm sure it's there I'm just not seeing it)
I checked maine's dept of ins site, and i see now how they keep canceling you...per the site:
| Quote: | three speeding convictions in the prior three years,
conviction of operating under the influence during the prior three years,
conviction of operating after the license has been suspended or revoked,
One driver having two or more accidents in the prior three years that results in bodily injury or property damage in excess of $1,000 - or- the total number of accidents of all drivers (with bodily injury or property damage in excess of $1,000 for each accident) that exceeds the number of vehicles that are insured in the household by the same insurer. |
If you want you might try this number and see if the Maine dept of ins. consumer assistant dept can help you
| Quote: | The Bureau of Insurance
34 State House Station
Augusta, Maine 04333
207- 624- 8475
800- 300- 5000 (in state only |
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Lori
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| Posted: Tue Apr 28, 2009 8:31 am Post subject: |
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Lori is right with her assessment; it’d be hard to get insurance policy with such driving record and obviously the insurers would charge higher premium rates for coverage.
IMO you should help your husband in improving driving record. You can also check if coverage for high-risk drivers are available in your state or not.
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bandit baby
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| Posted: Tue Apr 28, 2009 12:43 pm Post subject: bad driving record |
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| Well.. Heres my thought i was wondering if maybe i could purchase a vehicle outright and put liability on it for my husband. Then i could put storage insurance on my avalanche and park it for awhile until the driving record cleans up a bit. Keep full coverage on the car for me only. That should work dont you think? |
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lissa
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| Posted: Tue Apr 28, 2009 3:18 pm Post subject: |
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| Will the finance company of the avalanche allow that? |
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CrazedEpidemic
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| Posted: Tue Apr 28, 2009 7:05 pm Post subject: |
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| Well i just spoke with my current insurance company and they said it doesnt matter if i purchase a vehicle and put liablity on it. When i insure the car its in both of our names(the registration) and the insurance will have to be in both of our names as well. In Maine if your married both of the names need to be on the policy? So basically i feel stuck to paying 400.00 a mth for insurance. |
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lissa
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| Posted: Wed Apr 29, 2009 8:59 am Post subject: |
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Lissa, many insurance companies won't allow spouse exclusion since your husband can take possession of the car anytime. And not only in Maine, spouse exclusion isn't an option in some other states as well, like-NC.
I empathies with you but, yeah, you probably are stuck with higher premium rate for the time being.
~Jeremy |
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JeremyHolter
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| Posted: Wed Apr 29, 2009 11:23 am Post subject: |
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Lisa did you ask your agent if you owned one vehicle in your name only and one in his name only if you could exclude him from your vehicle? I'm not clear from your post if Maine allows spousal exclusion or not. Or is it just because he is an owner? (registered in his name too) that he must be on the policy...
Sorry Lisa, guess one other option might be to trade or sell atleast one of them and buy a cheaper one that you can carry just liability on, for your husband, would still be cheaper than you are paying now.
If Maine allows spousal exclusion (and the problem is the registration)...then sell/trade them both (at least on paper) and put one in his name and one in yours...his rate is still going to be high but yours should drop...might run that by your agent too.
As far as the storage ins idea, ins epid. is right your lein holder may not allow it, however they might too, since collision and comp is what they insist you carry...worth a call..
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Lori
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| Posted: Wed Apr 29, 2009 11:46 am Post subject: |
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IMO the fin company might not disagree either. Anyway she is going to maintain the coll & comp coverage on the car and since it would be off the road no need to carry liability on it. Am I right? Or, the financing company can actually raise issues if she drops liability coverage on it?
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anonymous 12
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| Posted: Wed Apr 29, 2009 11:53 am Post subject: |
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generally speaking, 'sleeping' policys only carry comp, however I'm sure her lein holder would require collision as well..lein holders never (that i've seen) require liability coverage only collision and comp(they just want their collateral covered)...so they ''might'' bite on the idea.
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Wed Apr 29, 2009 11:21 pm Post subject: |
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| You can always divorce your husband and you wont have to include him. |
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CrazedEpidemic
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| Posted: Thu Apr 30, 2009 7:12 am Post subject: |
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| Quote: | | You can always divorce your husband and you wont have to include him. |
Well, don't want to comment on this suggestion  
Crazed, that's pretty unique.  |
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JeremyHolter
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| Posted: Thu Apr 30, 2009 10:52 am Post subject: |
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| Quote: | | You can always divorce your husband and you wont have to include him. |
Pretty drastic measure to safe a few hundred buck...I wouldn't recommend that one...however, way to think 'outside the box' there Crazed.
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Thu Apr 30, 2009 6:29 pm Post subject: |
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Keep being honest and legal and you will find a good company willing to help drivers like yourself and your husband. Insurance companies know that bad things can happen to good people like yourself and your husband. I would start searching for a company right now that will insure you based on both of your vehicles and your driving records. You both need to be insured and both of your vehicles need coverage. I would shop online (get as many quotes as possible), have at least one agent get you quotes and be honest with him and call on some local companies and keep trying until you find a company willing to insure you at a fair price. Bear in mind, your rates are going to be higher since you are both high risk drivers. While getting quotes, consider raising your deductible to $1k or at least $500 and consider taking a defensive driving course or traffic school in your area. Ask an agent if this would help you get insured and lower your rates, a lot of people see as much as 10% reduction of rates from a defensive driving course. You may even consider liability insurance if your vehicles are paid off. You must be careful from this point forward and avoid having any other moving violations from getting on your driving record. Most courts have options for drivers to allow them to take a course or defer a ticket and keep it off your driving record. If you can keep from having anymore accidents or tickets on your record, you will see the others coming off after 3 years in most cases and start seeing a big rate reduction on your policy. However, if you have anymore accidents or tickets, then you may not even be able to find a company willing to insure you. Then you will not be able to drive.
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justong
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| Posted: Thu Apr 30, 2009 6:55 pm Post subject: |
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| Thanks for everyone for your input. I decided to go to a local office and increased my collision and comprehensive deductibles to 1000 and 500. Although the premium was for only 6mths it was one of the cheaper rates that I have found. I got a policy for 1500.00. Even though its high I dont have any other way around it. Its better than 2400.00 which i was also quoted. In 6mths my record should be completely clean and in 1yr my huband will have 2 incidents off from his. The future rates should be much better. Thanks again... |
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lissa
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