Insurance question....

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Dec 20, 2006 | 01:31 PM

ddrumman2004

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From: N. Mississippi

Insurance question....

My girlfriend's exhusband carries her and their daughter on his auto insurance. He lives in Louisiana and she lives here in Mississippi.

She has called his insurance agent here in town only to be told that her ex would have to be the one to drop her off of the coverage. They have been divorced for over 5 years.

How can he get away with this plus, if he's involved in a bad accident, will it reflect back on her and her daughter's driving record, as far as insurance goes?

What can she do to get off of it since he refuses to drop her?

Dec 20, 2006 | 01:57 PM

bigdaddyII

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From: Southern Louisiana

I would find a new insurance agent. As long as the vehicle is under her name she can choose who she wants to insure it. If it is under her name, or both their names there is not much she can do about it besides catch him when he is being nice. Here in Louisiana, if the vehicle is under someone elses name it is up to them to insure it. As far as him wrecking, it will not fall negative on your g/f or her daughters driving record if it was him who wrecked, it was not their wreck. Someone may have more detailed info. this is just what I know from my experiances.

Dec 20, 2006 | 01:59 PM

fred_79f250

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From: Location, Location.

I'd start with a letter providing a copy of the divorce, officially asking to be removed from the policy, and stating that if they don't you'll be taking legal action against them.

Next step, if they still refuse, is the same letter from a lawyer.

Alternative route is a letter from her lawyer to his lawyer demanding that she be removed from the policy. But this avenue should only be done through a lawyer - to drive home the point that she has zero desire to even enter into contact with him. Don't let this become an excuse for him to draw her back into contact.

Not sure which is better.

Dec 20, 2006 | 02:03 PM

scole250

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From: Goldsboro, NC

If the insurance company thinks someone lives in the same house or regularly drives the named insured's vehicle, they want that person listed on the policy so they can charge for any applicable driving points, inexperienced rates, etc.

If she wants off that policy, then I think she needs to provide proof to the agent that she is no longer married to the insured and does not live at the same address.

As for her ex having an accident, I don't think there's any way she could be harmed (assuming she wasn't involved in the accident). Any information the insurance company reports will be about the policy holder or other parties involved with the accident or other claimants.

Is she a named insured or just listed as a driver? Also, is her vehicle on the policy and is she the only owner of the vehicle? My response was assuming she was only listed as a driver and no vehicle she owned, in whole or joint, was listed on the policy.

Last edited by scole250; Dec 20, 2006 at 02:11 PM.

Dec 20, 2006 | 02:30 PM

ddrumman2004

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From: N. Mississippi

The vehicle is in her exhusbands name. She is listed as a driver but here again, she doesn't drive his vehicle nor does she want any part of him.

He is using her address to insure and regsiter his vehicle and has been ever since they divorced 5 or so years ago.
She got his insurance notice and cards in the mail at her house and she told me that she just chunked them in the garbage.

His mom gave him the money to buy his Ranger for a Christmas present after they divorced. So he is sole owner.

Thanks for the replies.

Last edited by ddrumman2004; Dec 20, 2006 at 02:39 PM.

Dec 20, 2006 | 02:36 PM

NH-Hottie

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From: Southern NH

Just around the time of my separation, I purchased my Bronco. When I went to insure it they asked my marital status, at the time I said pending divorce, and they never made me add my husbands name to my policy. On the other hand, I'm still on his policy until he can prove that we are divorced.
So I guess it all depends on what the agent wants to do.
If I were you I would ask to speak to who is in charge. Make an appointment, and show up with the divorce papers. They should be able to accommodate you.

This is something that most people forget when they are going through the big D. These things need to be specified in the divorce, just like health insurance and credit cards, so that it is ironclad, and you don't need to be haggling with a third party.

Dec 20, 2006 | 03:35 PM

scole250

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From: Goldsboro, NC

Using her address is a problem. If her address is submitted to a collection agency, it will hurt her credit if it's not resolved. First, she should file a fraud report with the police. If a collector comes after her, a police report will help prove she's not a party to his affairs. Also, instead of throwing the mail away, which I think is a no-no, she should take it to the Post Office and have them return it because the addressee does not live there. She can take her divorce papers and police report to the insurance agent to get his policy changed or cancelled.