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Thread: car insurance
06-16-2012 08:04 PM #1
Hoping some one could give me some advice
im 54 year old female i had a car accident 2010 hit by a truck claim has not yet been settled as i have injurys to neck and awaiting to see specilist and i have not drove since on my own .my car was a right off.
it was my husbands policy, for the last couple of months i have been driving local to get my self a bit more confidence
to cut a long story short my husband has fell out with me and took me off his policy and i have not got a clue how to insure my self, i have been looking at all the web sites and they all come back with high insurance as i have never been insured on my own policy , is there any one that knows of any cheap insurance for people who have accidents and never been insured on their own policy .
im finding it so difficult and he has just dissmised it and left me to sort it out my self
please any help would be gratefull
06-18-2012 06:49 AM #2
With a 2010 accident on your record that is still outstanding with no determination of fault, that is going to be a problem. Insurances companies especially look at accidents and tickets issued in the last 3 years. It would be much better (although not perfect) if a report showed you were not at fault. What does the police report show--I assume you have a copy of that. This is key to you getting more normal rates, showing a police or other finding that you are not at fault.
But the first step I would do is go to a good broker and have them shop around with several insurance companies for the best rate. The broker can do a much better job than you can. Make sure the broker is an independent that will work with many insurance companies, not just one or two.
Option #2: Get married ASAP and have new husband pay the bill.
Option #3: Obtain court order to be covered for insurance by former husband, if you are proceeding with divorce route.
06-19-2012 12:24 PM #3
09-18-2012 07:29 AM #4
Most drivers do not understand the importance of Under Insurance (and NO Insurance) in their policies. Cities like Philadelphia have something like 30% of the drivers (may be more) who drive without insurance. If you are in an accident with one of those people---the only protection you have is your OWN auto insurance policy for Under Insured. Otherwise you will take a loss (Property and Medical). Good luck trying to sue someone who has no assets (or permanent address).
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