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 Posted: Thu Mar 19, 2009 9:50 am Post subject: So my current insurance has been cancelled |
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So my current insurance has been cancelled because my sister was charged with impaired driving, not convicted yet, but charged and insurance company cancelled.
Well now I cant get regular insurance because I live in the same house with her? I'm told I have to start looking at high risk insurance? What the hell is that. I have to suffer the consequences of her actions?
Someone with knowledge on insurance companies give me some answers. And dont say go change your drivers license address because I've already heard that. |
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shadyimpala
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Joined: 19 Mar 2009
Posts: 1
1.37 Dollars($)
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| Posted: Thu Mar 19, 2009 11:44 am Post subject: |
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I'm guessing that your policy was non-renewed, not cancelled? Outcome is the same but they are different.
If your in the same household, she has everyday access to your vehicle. Statistics show that for this reason she _will_ drive your vehicle. So the insurance company is going to need to determine if they want to assume this risk. Your current carrier does not.
You may want to see if you can find a non-high risk carrier that will allow your sister to be excluded from your policy. You may not be able to find one that will do this as, depending on the laws in your area, this type of exclusion may not be enforceable.
High risk carriers are going to charge a higher premium as they assume higher risks then other carriers.
When they told you that your innocent until proven guilty in this country, they lied. Also, a citation is a little different then a criminal charge. When a citation is issued, you are guilty... until you have it dismissed. |
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tcope
Forum Expert
Joined: 22 Nov 2006
Posts: 5182
Location: Salt Lake City, UT
284.43 Dollars($)
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| Posted: Thu Mar 19, 2009 11:51 am Post subject: |
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Okay, its sad but true that a high-risk driver in the household would affect the rates and the insurabilities of the other drivers as well. IMO you are required to shop around. I think that Tcope has mentioned a good point. See if you can obtain insurance by declaring your sister as 'excluded'. By the way, which state are you're from? We may then search for an insurer in your locality on your behalf. Also, this community has some good agents. May be they would be able to help you as well.
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anonymous 12
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| Posted: Thu Mar 19, 2009 12:20 pm Post subject: |
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I live in Ontario, Canada
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anonymous15
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