HUBBY ON POLICY WITH MULTIPLE ACCIDENTS..DO I SUFFER TO?

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PostPosted: Wed Mar 13, 2013 2:10 am   Post subject: HUBBY ON POLICY WITH MULTIPLE ACCIDENTS..DO I SUFFER TO?  

I am a newlywed of 3 years with a clean driving record since 16 with no accidents. Been with state farm for 25 years. To save money, I put my husband on my policy. Since then, he has been in 3 accidents in less than 2 years (2 total losses). So far, our insurance has gone up a little cause we lost our 'accident free' discount'. I am afraid that when they review our policy this August that they will either drop the whole policy (me and him) or they will put us in the "pool" of high risk.



All of these accidents had nothing to do with me. Evenso, does that mean I, personally, will also be considered high risk if I have NEVER even been in an accident...EVER? Any thoughts? Should I take him off the policy now and have him find his own insurance or wait?


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PostPosted: Wed Mar 13, 2013 6:11 am   Post subject:   

Quote:
does that mean I, personally, will also be considered high risk if I have NEVER even been in an accident
No. You have your driving record and he has his. But your total cost of insurance will be adversely affected by his record/risk.



Quote:
Should I take him off the policy now and have him find his own insurance
This probably makes less sense than you think. You're married. If you exclude him as a driver from your policy, any time he gets behind the wheel of your vehicle, you run the risk of losing that vehicle to a collision without coverage. What if he carries minimum limits to make his insurance affordable? Or can you be certain his coverage is in force? There will be more problems caused by excluding him than not.



What is the reason for his poor driving? Does he just not care or is he just careless?


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PostPosted: Wed Mar 13, 2013 7:52 am   Post subject:   

I completely agree to what Max has said. Keeping him off the policy doesn't make any sense since you are married, but keeping him in is going to cost you higher than earlier.



Quote:
we lost our 'accident free' discount'




In that case, why don't you shop for some other policies?
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PostPosted: Wed Mar 13, 2013 7:39 pm   Post subject:   

Also, excluding your husband is not an option in most states,

California being an exception. You are married to the man, and his driving record. Wait to see what State Farm decides to do.



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PostPosted: Sat Mar 23, 2013 12:46 am   Post subject:   

First of all, I am in Pennsylvania.



I was told to wait until August to see if when they review the policy anything happens. If so, we will take it from there.



The only other option we have is that if he is considered 'high risk' and needs to find another carrier, I was advised that he could be taken off my policy, have a written exclusion where he is NOT to drive my vehicle and find him his own insurance.



It's just a waiting game now.



At the time of these accidents, he was working 2 jobs and 74+ hrs a week. He also has a one-way drive to work thats a little over an hour. He has since quit his 2nd job but the long commute to his main job is something that cannot be

helped.


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PostPosted: Sat Mar 23, 2013 2:27 am   Post subject:   

Quote:
He has since quit his 2nd job but the long commute to his main job is something that cannot be helped.
Of course it can be helped. He can move closer to where he works and commute home on his days off. Based on your description of his driving habits, he's probably close to getting his driver license suspended. Then what will he do?


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PostPosted: Sat Mar 23, 2013 2:51 am   Post subject:   

I'm sorry but we cannot afford him to live close to his job them come home on the weekends. We are not rich and cannot afford 2 residences. We are in the process however of geting our current house ready for sale but are being realistic that the economy is not on our side.


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PostPosted: Sat Mar 23, 2013 8:32 am   Post subject:   

You don't need two residences. Just an apartment.



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PostPosted: Sat Mar 23, 2013 2:52 pm   Post subject:   

Thanks for your concerns and ideas but we have gone through this and just cannot afford it. An apartment where he works on the cheapest side is $600 month plus at least another $50-$75 a week for food when he is not here. Thats around an extra $1000.00 a month we do not have.


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