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I guess I really don't have a question behind this post....
We are being dropped by our auto insurance of over 6 years (Geico) because of his driving record. He has had multiple tickets in the past year for speeding, seat belt, traffic signal violates. Suspended license for not taking a drive safely class within the specified time frames. Also two at fault accidents where he collided with fences. Amazingly, he was not given DUI either time on technicalities or smoething....
anyways, we are being dropped from our auto insurance and I have been informed that because we are married, I cannot get insurance without him being on the policy.
F*ing sucks and now how am I going to find a company to give us (me) auto insurance?
I'm so mad right now. And i told him. I told him that in addition to being dropped from Geico, the first company I called would not offer us insurance. And now the whole world is against him so he is going to drink even harder. Responsibility? any responsibility please?
I understand your need to vent! I didn't know that about the insurance and I probably should find out more about this because we have Geico and my AH will be charged with his DUI later in May. I am contemplating removing him from the title and registration of MY car so that we can avoid any issues with the ignition interlock device. And, yes, a lot of this f*ing sucks. My AH also doesn't like to wear his seatbelt. He has gotten a violation here in AZ for it and got a ticket in CA a few years ago, too. His DUI will cost us well over $10K when all is said and done. And, yes, this is one of the things that I am angry about. Unfortunately, where is that going to get me? Nowhere. I feel my anger and then I let it go and give it to my Higher Power(not an easy thing to do when he had to write a $3000 check to the lawyer a few weeks ago, ugh!)
Keep coming back. Sending you lots of support today!
I am not trying to minimize the situation at all (heaven knows after what I've been through I would never minimize any alcoholism). But some stuff about insurance. Geico's whole business model is dropping people who are expensive to them. That's why they have such low rates. As soon as you start costing them money, you're dropped. The other is that I'm sure that not all companies require you to put him on your policy as well. I have been married eleven years and had two insurance companies during that time and have never had my husband on my policy, or vice versa. Often it's cheaper to have everyone insured by the same company, but it's not mandatory. Check the big names in insurance, which is what I've used.
But even if all those things turn out to be easy, the fact is that you're undergoing stress because you have to figure it all out again, because of his actions. I guess my question would be: is the reward worth the stress? Remember that you always have options. If you stay with him, that's a choice, not a requirement. So that's something to think about, and if you do make that choice to stay, presumably there are some rewards for that. I'm sorry it's so hard.
If it was his actions that got you dropped from the insurance company, why is it that you are looking for new insurance for the both of you? Is it even at all reasonable to expect him to do this? He made the mess, he should clean it up. It is typical alcoholic behavior to run off and drink while other's are left holding the responsibility. Something's gotta change.
In the state where I live we have a facility for auto and if regular companies will not provide coverage then you are put in the facility and one of those companies is forced to provide coverage.
I totally understand what Mark is saying. He should have to find his own insurance. If you are married he does have to be on your policy as a driver because he may at some point drive your car. But you can have separate policies.
I suggest calling a local independant agent in your area (not a nationwide/statefarm) and have them quote several different companies for you. If you have questions shoot me a message I work in commercial insurance but I was on the agency side and that agency still handles my personal lines business so I know a little.
pinkchip, wouldn't that be something. Dealing with business though is not his strong point and never has been. I have always taken care of the business aspects. I don't mind too much, maybe my control issues... I want to know that things got done.
Jackie11, I know about the high risk group but really wanted to not go there!. The first companies I called (sent me solicitations in the mail) couldn't offer us insurance and that scared me. Then I called progressive and they offered us a quote at less than I feared so that gave me hope. I actually ended up finding a smaller local company that offered us the same coverage for almost the same price we were paying with Geico so that was a huge relief.
Just wanted to let everyone know that this was a real "blessing in disguise" I found a local type insurance agency to cover us at $200 LESS THAN geico (per 6 months)!!! Same coverage levels and everything including collision/comprehensive on our 2006 car. :)
Part of being married to an addict is that we are constantly in a position of reaping their poor choices. All you can do is the best that you can do. Part of addiction is that the issues get worse not better. The kids and I have taken much collateral damage as a result of their dad's choices.
You are lucky that things worked out the way that they did at this point. HP was looking out for you!!
Hugs P :)
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Stepping onto a brand-new path is difficult, but not more difficult than remaining in a situation, which is not nurturing to the whole woman.- Maya Angelo
