My wife is starting to learn to drive.After she gets a license,how or what insurance can i get to prevent me from any liability arising from any accident?
how can i "protect" myself from wife's driving?...
- Thread starter daves66nova
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(1) Make sure your spouse is the only person listed in the ins. policy declarations.
(2) Divorce.
(3) Lloyds of London.
(2) Divorce.
(3) Lloyds of London.
If the car is registered to you, you are liable. You get insurance to cover the losses. You don't avoid liability you set yourself up to cover it.
Have you informed your insurance company she will be driving?
Have you informed your insurance company she will be driving?
JHZR2
Staff member
If she is in your household, she is your liability regardless.
I learned that when looking at a geico insurance policy... My wife has never had an accident and has a clean record except one thing... A zero point cellphone ticket.
They tried to raise my insurance $300 because of the liability of something not officially on her record... And she had separate insurance and car!
I learned that when looking at a geico insurance policy... My wife has never had an accident and has a clean record except one thing... A zero point cellphone ticket.
They tried to raise my insurance $300 because of the liability of something not officially on her record... And she had separate insurance and car!
JHZR2
Staff member
But teach her to drive MT and have her drive one. She will appreciate the physics of driving better this way.
In theory cars are not owned jointly and all accounts/property are joint. That was the conventional wisdom. Joint accounts cannot be attacked (in theory) But this logic may not be true any longer.
Lawyers/courts/Judges favor litigation so who knows.
Aside:
Something seems inherently wrong in a relationship when you are worried about "your" ...and worry about her causing financial fallout. If this is a concern (presumably you worry about her safety also) You need to address good driving instruction.
Lawyers/courts/Judges favor litigation so who knows.
Aside:
Something seems inherently wrong in a relationship when you are worried about "your" ...and worry about her causing financial fallout. If this is a concern (presumably you worry about her safety also) You need to address good driving instruction.
+1 The only way to avoid the liability is to not have her drive.
Otherwise, bone up and get as much insurance as you need to sleep good at night.
Otherwise, bone up and get as much insurance as you need to sleep good at night.
Those extreme cheapness insurance (Geico and Progressive) both look at zero points ticket, and would ding you for every little thing out there.
Have her own car, own insurance, would limit the coverage but then it would cost more. You might as well pay more for a combined insurance in a "better" company that doesn't ding you for every little thing out there.
AAA, State Farm, All State, etc are better than Geico, Progressive, etc in this regard.
Have her own car, own insurance, would limit the coverage but then it would cost more. You might as well pay more for a combined insurance in a "better" company that doesn't ding you for every little thing out there.
AAA, State Farm, All State, etc are better than Geico, Progressive, etc in this regard.
Get her a personal liability umbrella policy. They are surprisingly inexpensive. You should have one for yourself as well.
Considering how many opportunists out there will sue you over nothing, I wouldn't be caught read without one.
Considering how many opportunists out there will sue you over nothing, I wouldn't be caught read without one.
Best advice I can offer is to ensure that you teach her to be the best driver that she can be.
I taught my partner to drive, and there's lost of little tricks that you need to teach them about vehicle dynamics and physics.
We've got a steep grade coming into town, and she'd ride the brakes rather than change down...and wouldn't listen.
So I did a my way your way experiment where she came down the hill my way, hit city limits and crash stopped. We pulled up, and I put a brick on the kerb where we stopped.
Then did the hill her way, and at one point she screamed "the car won't stop"...it was, just at reduced capacity.
Was about 20-25 feet in it, which I iced with someone's kid, coal truck, etc. could have been in that spot.
I taught my partner to drive, and there's lost of little tricks that you need to teach them about vehicle dynamics and physics.
We've got a steep grade coming into town, and she'd ride the brakes rather than change down...and wouldn't listen.
So I did a my way your way experiment where she came down the hill my way, hit city limits and crash stopped. We pulled up, and I put a brick on the kerb where we stopped.
Then did the hill her way, and at one point she screamed "the car won't stop"...it was, just at reduced capacity.
Was about 20-25 feet in it, which I iced with someone's kid, coal truck, etc. could have been in that spot.
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How old is your wife? 16? I don't mean to be rude but I had to ask.
Originally Posted By: Al
In theory cars are not owned jointly and all accounts/property are joint. That was the conventional wisdom. Joint accounts cannot be attacked (in theory) But this logic may not be true any longer.
Lawyers/courts/Judges favor litigation so who knows.
Aside:
Something seems inherently wrong in a relationship when you are worried about "your" a55. ...and worry about her causing financial fallout. If this is a concern (presumably you worry about her safety also) You need to address good driving instruction.
+1.
She's your wife, and life partner.
I really like the traditional vows:
"...For richer or poorer, in sickness and health, until death do us part."
The whole point being that you are conjoined, and your liabilities and her's are common.
Teach her to drive as safely as you can.
If you are worried about your spouse learning to drive, you might be well advised not to have any children.
In theory cars are not owned jointly and all accounts/property are joint. That was the conventional wisdom. Joint accounts cannot be attacked (in theory) But this logic may not be true any longer.
Lawyers/courts/Judges favor litigation so who knows.
Aside:
Something seems inherently wrong in a relationship when you are worried about "your" a55. ...and worry about her causing financial fallout. If this is a concern (presumably you worry about her safety also) You need to address good driving instruction.
+1.
She's your wife, and life partner.
I really like the traditional vows:
"...For richer or poorer, in sickness and health, until death do us part."
The whole point being that you are conjoined, and your liabilities and her's are common.
Teach her to drive as safely as you can.
If you are worried about your spouse learning to drive, you might be well advised not to have any children.
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- Nov 29, 2009
- Messages
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Teach her how to drive decently. Get combined insurance so it's cheaper and then hope for the best. Remember sometimes the best driver in the world can still get into an accident. Just keep it in the back of your head that it could happen one day. Sometimes you just can't do anything about it.
Originally Posted By: Shannow
Best advice I can offer is to ensure that you teach her to be the best driver that she can be.
I've told her many times,but still screws up often.
Best advice I can offer is to ensure that you teach her to be the best driver that she can be.
I've told her many times,but still screws up often.
Originally Posted By: motor_oil_madman
How old is your wife? 16? I don't mean to be rude but I had to ask.
39!!! she's not from the U.S. not Asian either.
How old is your wife? 16? I don't mean to be rude but I had to ask.
39!!! she's not from the U.S. not Asian either.
Alaskan LLC.
My guesses don't count.
Better get the details straight with your insurance agent, or even call another company for a quote and ask pertinent questions.
Better get the details straight with your insurance agent, or even call another company
Originally Posted By: JHZR2
If she is in your household, she is your liability regardless.
I learned that when looking at a geico insurance policy... My wife has never had an accident and has a clean record except one thing... A zero point cellphone ticket.
They tried to raise my insurance $300 because of the liability of something not officially on her record... And she had separate insurance and car!
Originally Posted By: PandaBear
Those extreme cheapness insurance (Geico and Progressive) both look at zero points ticket, and would ding you for every little thing out there.
Have her own car, own insurance, would limit the coverage but then it would cost more. You might as well pay more for a combined insurance in a "better" company that doesn't ding you for every little thing out there.
AAA, State Farm, All State, etc are better than Geico, Progressive, etc in this regard.
I had a similar experience- and it was with State Farm. I had been with them for some years at that point. My agent wanted me to ask my wife if she would try State Farm too. She thought it'd be worth a try, so she came in and gave all kinds of relevant info. It sounded good to her, so the agent wrote her a policy, sent the info off to SF corporate and she canceled her other. Well after SF corporate ran all of it, they found that her oldest boy (with a terrible record) lived with us and canceled her sight on spot and then sent me a noticed threatening to cancel me too. Boy was I ever furious!!!! All this because a driver with a bad record lived with us!!!
In the end, my (our) agent did some sweet talking and we both were able to retain our policies by signing a disclaimer that her son wouldn't be behind the wheel of our vehicles.
If she is in your household, she is your liability regardless.
I learned that when looking at a geico insurance policy... My wife has never had an accident and has a clean record except one thing... A zero point cellphone ticket.
They tried to raise my insurance $300 because of the liability of something not officially on her record... And she had separate insurance and car!
Originally Posted By: PandaBear
Those extreme cheapness insurance (Geico and Progressive) both look at zero points ticket, and would ding you for every little thing out there.
Have her own car, own insurance, would limit the coverage but then it would cost more. You might as well pay more for a combined insurance in a "better" company that doesn't ding you for every little thing out there.
AAA, State Farm, All State, etc are better than Geico, Progressive, etc in this regard.
I had a similar experience- and it was with State Farm. I had been with them for some years at that point. My agent wanted me to ask my wife if she would try State Farm too. She thought it'd be worth a try, so she came in and gave all kinds of relevant info. It sounded good to her, so the agent wrote her a policy, sent the info off to SF corporate and she canceled her other. Well after SF corporate ran all of it, they found that her oldest boy (with a terrible record) lived with us and canceled her sight on spot and then sent me a noticed threatening to cancel me too. Boy was I ever furious!!!! All this because a driver with a bad record lived with us!!!
In the end, my (our) agent did some sweet talking and we both were able to retain our policies by signing a disclaimer that her son wouldn't be behind the wheel of our vehicles.
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