Disclaimer of sorts! This Post mainly has to do with the proper and ethical thing to do regarding my personal second car, my wife driving and my children's right to have an opportunity to obtain insurance. This is not about pettiness but the now untrustworthyness of my STBX - my STBX's actions are making me real nervous. The full detail follows but If anyone has thoughts (last time I posted about this I was filled with all one way replies (STOP NOW!!! - maybe this is clear to others where for me I am really stumped
I admit I am getting very defensive based solely on the actions of my STBX the last two weeks. I am really tugging at what is the right thing to do now with the two cars. I own a 2007 mazda with bucket seats perfect for my medical issues - this is why I chose it. The second car which is a 1993 Plymouth Acclaim that I inherited when my Mom passed on in 2005. It was a hard one to put a value on as it only had 30,000kms and it was in prestene condition. My eldest daughter has been using it to get around for the last while.
Question or Delemma: PLan was for the daughter to take the car on, current insurance rates are good since it is insured under me - If it gets transfered to the 22 year old the rates will escalate - a solution was for the STBX to take it on for now. However, my STBX over the last two or three weeks has really started to show her colours taking the cash out of the account and refusing to account for the $4400 with receipts or to return the funds to the joint account - she is now acting very sneeky, not being truthful and she is up to something - my level of trust drops daily. A few weeks ago the thought was to flip it to my wife and in a few years the eldest would take in over. I spoke to my eldest this weekend and she is not so sure she wants to take this car now - she has her heart set on a new Mazda3.
The last thing I am going to do now is give my wife a pretty darn good low kms car!! I just feel like I can't do it and I am getting my "heart pains" over what to do with this.... Seams that this is all I get these days. Meanwhile the youngest is dying to get her insurance on the go. (by law I need her insured and the STBX has farted with this for a full month now and it still isn't done yet) Initially the thought was to have one of the girls under me and one under my wife (split the risk - but I have learned it does not work that way. when we all live under the same roof - risk will be borne solely on which car one of the girls is behind the wheel at the time and regardless who owns the cars the girls will get rated under the most expensive rated car - my 2007 Mazda).
At 17k new I put the '93 Acclaim, with 30,000kms in 2004, value at $5,500 (or 1/3 cost of new) - which I also put as the value on my mom's inheritance and on the financials ) when my Mom gave it to me. Not sure what the implications are regarding value in terms of $$$$ and what might be done now - I just checked - the car body is still accident free and it now has 56,000 kms if this makes any difference.
So I made the move to get the wife off my car insurance (really great thing for me I have learned - although the info sort of pissed off my insurance broker! But to be factual from all the one sided responses she did point out that how many were seperated couples were living under the same roof using the same insurance policy - specific we are in a group (everyone living in our house that have a liscence) to which we can can have as many policies as we see fit but as our agent pointed out because we are living under the same roof are policy rates are very much linked to the most expensive rated car (the 2007) and the chance that anyone of us can grab a set of keys in an emergency really causes logistic problems to which the underwriter has not gotten back to our agent after a week now. At the very least, if I tell my wife to stick it, I keep the car for now she will just have to sign a waiver sheet frobidding her to drive one of the cars and doing so she will do it uninsured.
I admit I am getting very defensive based solely on the actions of my STBX the last two weeks. I am really tugging at what is the right thing to do now with the two cars. I own a 2007 mazda with bucket seats perfect for my medical issues - this is why I chose it. The second car which is a 1993 Plymouth Acclaim that I inherited when my Mom passed on in 2005. It was a hard one to put a value on as it only had 30,000kms and it was in prestene condition. My eldest daughter has been using it to get around for the last while.
Question or Delemma: PLan was for the daughter to take the car on, current insurance rates are good since it is insured under me - If it gets transfered to the 22 year old the rates will escalate - a solution was for the STBX to take it on for now. However, my STBX over the last two or three weeks has really started to show her colours taking the cash out of the account and refusing to account for the $4400 with receipts or to return the funds to the joint account - she is now acting very sneeky, not being truthful and she is up to something - my level of trust drops daily. A few weeks ago the thought was to flip it to my wife and in a few years the eldest would take in over. I spoke to my eldest this weekend and she is not so sure she wants to take this car now - she has her heart set on a new Mazda3.
The last thing I am going to do now is give my wife a pretty darn good low kms car!! I just feel like I can't do it and I am getting my "heart pains" over what to do with this.... Seams that this is all I get these days. Meanwhile the youngest is dying to get her insurance on the go. (by law I need her insured and the STBX has farted with this for a full month now and it still isn't done yet) Initially the thought was to have one of the girls under me and one under my wife (split the risk - but I have learned it does not work that way. when we all live under the same roof - risk will be borne solely on which car one of the girls is behind the wheel at the time and regardless who owns the cars the girls will get rated under the most expensive rated car - my 2007 Mazda).
At 17k new I put the '93 Acclaim, with 30,000kms in 2004, value at $5,500 (or 1/3 cost of new) - which I also put as the value on my mom's inheritance and on the financials ) when my Mom gave it to me. Not sure what the implications are regarding value in terms of $$$$ and what might be done now - I just checked - the car body is still accident free and it now has 56,000 kms if this makes any difference.
So I made the move to get the wife off my car insurance (really great thing for me I have learned - although the info sort of pissed off my insurance broker! But to be factual from all the one sided responses she did point out that how many were seperated couples were living under the same roof using the same insurance policy - specific we are in a group (everyone living in our house that have a liscence) to which we can can have as many policies as we see fit but as our agent pointed out because we are living under the same roof are policy rates are very much linked to the most expensive rated car (the 2007) and the chance that anyone of us can grab a set of keys in an emergency really causes logistic problems to which the underwriter has not gotten back to our agent after a week now. At the very least, if I tell my wife to stick it, I keep the car for now she will just have to sign a waiver sheet frobidding her to drive one of the cars and doing so she will do it uninsured.
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