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  #11  
Old 05-15-2012, 05:36 PM
dinkyface dinkyface is offline
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All you need to do is stop the payments. You can do that because it is YOUR account. YOU don't need to make any changes to the existing policy - who cares if they are hiding behind privacy, who cares if you are listed as a driver on the policy.

It becomes your ex's problem that she is paying unnecessarily.

Then get your own insurance policy.

If they complain that they can't insure the same car twice, then go to another insurance company.

Last edited by dinkyface; 05-15-2012 at 05:39 PM.
  #12  
Old 05-15-2012, 06:27 PM
ddol1 ddol1 is offline
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just been through this insurance stuff - living under the same roof as we were is complicated. Seperate roof and it is a little bit easier. are you living under the same roof? Rules change big time if that is so.

I just wrote here what I was told by our insurance broker a few weeks ago but I think your case is different in that the cars are in your ex's name, the insurance is in her name (doesn't matter who pays) and to the insurance, they have only one customer - your ex. It is a real possability that she could just drop your car's coverage (and the 30 day notice is justt for the insurance company to recieve the cash, your ex could in effect cancell your insurance coverage on her car that you are driving at 12:01 pm tomorrow and your coverage is over tomorrow. Boom - you have no insurance. You need to make a deal now

For me, I am bad in that I need my daughter to take ownership of the vehicle she is driving which will in turn finally break all this up. The insurance is brokered through her union so it is her policy, my two cars - she is covering the insurance which allows our daughter to drive. Changes in the policy is done by her - I am notified automtically of any policy change. You are asking about splitting the insurance. Insurance is not written that way. Right now your policy has two cars under it.

To do what you want the current policy will need to be cancelled and two new seperate policies with new rates and new risk evaluation will be done to determine your new rate. This I do not know, can you insure your wife's car without her being a named driver in what will be a divided policy?
For me, I asked about the insurance and getting my own. Just the way we are set up I will still need to be a named driver under my daughter's policy (sorry it is not HERS - it is a blanket policy with all of us as named drivers but I am the principle driver on the policy) which is what is in force today - the insurance explained it as I am not allowed to be insured under two seperate policies for the same car - only one would be in force and If I remember her statement, since the current policy was already in force if I were to just go get my own - the original policy would be the one to pay out the damages.

Yes it is getting real close for my daughter to take the transfer of the car. Kids were in school, the car needed a bunch of work to pass the safety so her brother is booked to do the work for her as soon as his summer car is on the road again. Then it is the notice to cancel and 30 more days of insurance - then the policy lapses.

I believe this answers the questions you have. But to be clear, you need to make a real deal with your ex now (in writing). Other wise you need to figure out how to get your own - do you have any ability to buy a car on credit?

Last edited by ddol1; 05-15-2012 at 06:31 PM.
  #13  
Old 05-15-2012, 07:57 PM
Pursuinghappiness Pursuinghappiness is offline
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Quote:
(doesn't matter who pays) and to the insurance, they have only one customer - your ex. It is a real possability that she could just drop your car's coverage (and the 30 day notice is justt for the insurance company to recieve the cash, your ex could in effect cancell your insurance coverage on her car that you are driving at 12:01 pm tomorrow and your coverage is over tomorrow. Boom - you have no insurance. You need to make a deal now
Did you read his post?

Unless she's a complete idiot, his stbx wife's not going to cancel insurance on his car because then he won't pay hers either and she doesn't have a job. She's going to let him keep paying both policies on both cars until they have another agreement. If he has any doubt, he can check the withdrawal on his account to ensure its the same amount.

To the OP:

Your only options per what you've written is to suck it up and probably pay until you have an agreement to get the ownership switched. The only other option is to find another ride. Can you borrow a car from someone your options may be limited.else, take public transportation, etc in the meantime? I would also ask your lawyer to see if there's some alternate relief.

Hopefully this is the only bill of hers that you're still paying.
  #14  
Old 05-15-2012, 09:03 PM
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Rioe Rioe is offline
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If her name is on the ownership of both cars, and they are both insured through her, but she refuses to be reasonable about transferring ownership, stop paying anything to do with them and drop the one you were driving off at her home. It'll be up to her to make the car payments and the insurance company will come after her for their money as well.

Then, use the money you save to buy a bike, a crappy old car, or bus pass, and do whatever it takes to get by until she comes to her senses. If she doesn't, well, it's still her problem. Make sure you know the value of both vehicles at date of separation, because that amount will be half yours in the equalization, no matter what happens to them afterwards.

By the way, this doesn't bode well for negotiating the rest of your separation agreement with her. Have you really exhausted all possibility of convincing her to separate your finances? If you warn her that this is what you are about to do, leaving her responsible for everything in her name, maybe she'll clue in.
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