Brides Helping Brides ™ - Car insurance question

Post new topic

Wedding Forums > Brides Helping Brides ™ > Car insurance question

Car insurance question

abc7077 Posted: Jan 07, 2003 08:46 AM+

abc7077 MEMBER SINCE: 4/02 TOTAL POSTS : 1143 WEDDING DATE: Dec 07, 2002

Posted: Jan 07, 2003 08:46 AM

Car insurance question

Does anyone know if you can have separate policies when you are married for car insurance. My DH about 3 years ago got a ticket for going through a red light and now the insurance company wants me to pay for his driving by increasing my insurance 800 a year. Can I get my own policy until his record is cleared in 39 months? Anyone with info thanks in advance!!!

Valenia Posted: Jan 07, 2003 08:52 AM+

Valenia MEMBER SINCE: 4/01 TOTAL POSTS : 2268 WEDDING DATE: Jun 30, 2002

Posted: Jan 07, 2003 08:52 AM

Re: Car insurance question

If he is ever going to drive you car, you can not have separate policies -- you'd be in big, big trouble if he was driving your car and got in an accident. While you would be covered if you lent a car to a friend, since he lives with you I believe you are obligated to list him on your policy as a secondary driver... :o(

abc7077 Posted: Jan 07, 2003 09:08 AM+

abc7077 MEMBER SINCE: 4/02 TOTAL POSTS : 1143 WEDDING DATE: Dec 07, 2002

Posted: Jan 07, 2003 09:08 AM

Re: Car insurance question

Valenia, I guess this is my first thing on my list of the downside of marriage!!!! I am so frustrated with him!!

Ronnie&Theresa Posted: Jan 07, 2003 09:13 AM+

Ronnie&Theresa MEMBER SINCE: 9/02 TOTAL POSTS : 7121 WEDDING DATE: Mar 07, 1995

Posted: Jan 07, 2003 09:13 AM

Re: Car insurance question

I live with Ronnie for 3 yrs and I don't have him listed as a driver on my policy ......

He got his license suspended 2 yrs ago when he was on his Bike didn't want to pull over on the highway when he was doing 137 and he got chased by the cops..

Long story short...

DON'T list him.

WithThisRing Posted: Jan 07, 2003 09:24 AM+

WithThisRing MEMBER SINCE: 11/02 TOTAL POSTS : 14142 WEDDING DATE: Sep 18, 2004

Posted: Jan 07, 2003 09:24 AM

Re: Car insurance question

I have brian on my policy and we have no problems. He had a huge issue with his license and it was suspended and he got busted when driving in brooklyn, was processed throguh the system and wound up paying a 50 dollar fine, and its listed as a driving infraction. all his tickets have ben paid and everything is up to date, and we have no problems

Suzanne Posted: Jan 07, 2003 09:26 AM+

Suzanne MEMBER SINCE: 7/02 TOTAL POSTS : 10423 WEDDING DATE: May 25, 2002

Posted: Jan 07, 2003 09:26 AM

Re: Car insurance question

Frank's insurance on his own was 3800.00 a year!

when i put him on my insurance (with all his tickets and accidents (he even hit a fire truck) it was only 700.00 more so my insurance is only like 2000.00 (and this year its even cheaper)
I have allstate, if you want the number of my broker ill give it to you...hes a nice guy and works with you...

abc7077 Posted: Jan 07, 2003 09:48 AM+

abc7077 MEMBER SINCE: 4/02 TOTAL POSTS : 1143 WEDDING DATE: Dec 07, 2002

Posted: Jan 07, 2003 09:48 AM

Re: Car insurance question

They told me that since we are married and in the same house that he would have to be with me on one policy! Allstate was the one who gave us the quote and info!! I am going to call myself.

stacedz Posted: Jan 07, 2003 09:54 AM+

stacedz MEMBER SINCE: 5/02 TOTAL POSTS : 3536 WEDDING DATE: Oct 13, 2002

Posted: Jan 07, 2003 09:54 AM

Re: Car insurance question

I was told that my husband had to be listed as a driver on my insurance and me on his as well. You can't be all on one policy though since your titles are in your own names and they should all have one name on the title and the policies. At least this is what I think.