Insurance company dropped me.. HELP!

[Daddymax]

Ok, here's the situation. I'm a bad driver, gotten LOTS of tickets and such, so my insurance company dropped me.

What do I do?

Who will insure me? Are their rates ridiculous compared to normal ones?

Is it possible to get my car insured under my gf's name? She has a car already.

[DUBBED]

Originally posted by Daddymax
Ok, here's the situation. I'm a bad driver, gotten LOTS of tickets and such, so my insurance company dropped me.

What do I do?

Who will insure me? Are their rates ridiculous compared to normal ones?

Is it possible to get my car insured under my gf's name? She has a car already.

same thing happened to me... call "the right track"... they quoted me $2000 less than everyone else....

it is possible to insure your car under your gf's name... BUT you must sell the car to her.. for $1 or whatever... and if you get busted driving the car... you're fucked and shes fucked...

i was kinda choked inhaving to go through this whole ordeal myself.. but look at it this way.... you do the crime you do the time... bite the bullet and move on...

hey you could always take the bus!!

[ecstasy_civic]

sorry to hear max,

remember when that happened to me
so i was refered to my dads broker. he does 3 of his businesses and our whole familes cars, and home insurance.
phone Lucas and Associates. hes really cool and has known my mom since grade 1. mention i just signed up under them and see if he can help you.

mine went from 7000 to 3980

[Daddymax]

bus, yea right.

Well would I get busted? I mean do they really check? I'm sure if the cops pull me over I just say it's my gf's car and I'm going to meet her irght now


The right track.... I'll call them tommorow I guess.

[Weapon_R]

ahha fuck my insurance company has dropped me ... actually, two have!

Say goodbye to cheap insurance now...it's going to skyrocket. Mine almost tripled because of that...

I hear that if you have a separate address from someone, insure it under their name...people are allowed to let other people "borrow" their cars. If you hit someone, the person you insure under will get screwed up but if it's someone you trust, and if they would do it for you, go for it.

[jdmakkord]

my cuz got cancelled too, his insurace was cheaper through td by a ton!!!

[szw]

how bad of a driver do you have to be when insurance companies decide to drop you??!

[ecstasy_civic]

mine was a $76 ticket

oops lol

thats ok even after all that i got it for cheaper than i was paying before.

[Daddymax]

hmmm.... I dont' know what to do now. I live with my gf but not on paper. I still have my address with my parents house....


What is she going to say to the insurance company ? "ummm. I ned to insure this civic for.... ummm fun?"

[Weapon_R]

She can have two cars...its no problem.

My dad has 4 cars under his name. No biggie.

If you don't live together on paper, you are entitled to "borrow" her car - but that will only come to play when you hit someone. If you do, say u were borrowing it by coincidence it happened.

[Daddymax]

ok well what baout if I get pulled over?

[del-lude]

should be fine if you get pulled over. Just don't get in an accident cause if you do and your name is not on the policy, they aren't gonna cover the damages.

[RSeXy]

Originally posted by Daddymax
hmmm.... I dont' know what to do now. I live with my gf but not on paper. I still have my address with my parents house....


What is she going to say to the insurance company ? "ummm. I ned to insure this civic for.... ummm fun?"

just remember that if you do share the same relationship...after 6mos its called "commonlaw" and she can take half your assets afterwards!

[max_boost]

Yah like what weaponR said, it is called uninsured motorist.....but man, if you got into a bad accident and killed people......then you seriously fcuk up whoever is insuring your car for you! haha

They trust you by insuring your car and you not crashing
You trust them because the car will be registered and insured under their name

So technically, could daddymax get screwed over cause the whoever is insuring it for him just takes his car away? lol cause on paper the car doesn't belong to him?

Anyway, you usually find a close relative to do something like this

[max_boost]

Originally posted by RSeXy



just remember that if you do share the same relationship...after 6mos its called "commonlaw" and she can take half your assets afterwards!

If it was me, I rack up my debts and declare bankruptcy, what is half of nothing? j/k

[Daddymax]

yea wel my gf is as close as it gets really.

What does she tell the insurance company? To be honest with you guys my car is insured under her right now. But she's going to be getting her own car soon. So what does she do to get a second car? go to teh same insurance broker? What does she tell them when they ask her why she has 2 cars?

[max_boost]

Originally posted by Daddymax
yea wel my gf is as close as it gets really.

What does she tell the insurance company? To be honest with you guys my car is insured under her right now. But she's going to be getting her own car soon. So what does she do to get a second car? go to teh same insurance broker? What does she tell them when they ask her why she has 2 cars?

Winter beater and summer car.....nothing wrong with insuring two cars

[___2PaC___]

Originally posted by max_boost
If it was me, I rack up my debts and declare bankruptcy, what is half of nothing? j/k

[Dope Dealer]

Originally posted by Daddymax
yea wel my gf is as close as it gets really.

What does she tell the insurance company? To be honest with you guys my car is insured under her right now. But she's going to be getting her own car soon. So what does she do to get a second car? go to teh same insurance broker? What does she tell them when they ask her why she has 2 cars?

They shouldn't ask. It's business for them, so they shouldn't mind

Besides, a lot of people have more than one car.

[Daddymax]

I'm just worried the insurance company will get worried about her doing exactly that..... insuring for me.