Insurance Issues...Help...?

I got a speeding ticket as well as a driving without a license back in mid 2005. My insurance company just found out about it and chose not to renew my policy forcing me to go elsewhere. Or else they would charge double my previous premium to go with Geico Indemnity instead of just Geico which i had. I have an even bigger predicament. I had a Dui arrest dec 2006, got my license revoked for 3 months and my case got dismissed & refiled & i then got convicted on it. Now i have a speeding, driving w/o license & now a Dui. Im pretty much screwed on insurance for the next 5 years at least. My question is i have my license back & a brand new car with my name on the registration & i was curious if its necessary 2 have my name on the insurance? My bf was willing 2 have the insurance under his name so i wouldnt have to pay an arm and a leg for insurance. But would i get in trouble if i get pulled over god forbid 4 any reason & my names not on the insurance? Would i b coverd in an accident?

5 Answers

  • Lucie
    Lv 5
    1 decade ago
    Favorite Answer

    Only if the insurance company didn't find out...It sounds like you're going to be paying for your indiscretions for the next 5 years.

    Come to think of it, I'm not sure you can get insurance in his name unless the car is registered in his name as well. I could be wrong about that, though.

  • 1 decade ago

    The problem is, the name on the car registration has to match the name on the insurance card, otherwise the state is going to consider the car uninsured.

    If you switched the title over to the bf, your name would STILL have to be listed as a driver, or you wouldn't be covered in an accident.

    This is just going to cost you a ton.

    Save some money - sell the car, buy a $500 junker, and just carry minimum limits for the next five years.

    Source(s): agent, 21+ years
  • Fred C
    Lv 7
    1 decade ago

    Sure he can insure it, but, if you aren't listed as a driver, you won't be covered! If he lists you, then the insurance will either reject you or charge an arm and a leg to give you basic coverage. Why would your boyfriend want you driving a vehicle he has insured in his name, with your record? Frankly, you should not be driving, you should walk and take the bus until you grow up. There is no excuse, I repeat, no excuse for a DUI.

  • 1 decade ago

    Your idea is common. The key is your name isn't on the policy with the bf. You have an accident/ticket...that messes up the bf's track record and you'll both be with the indemnity. I know it's $$$, bot bear it out.

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  • 1 decade ago

    um, yes. thats called fraud. and if you got into an accident while driving the vehicle and through their investigation they found the vehicle is actually yours... they will deny the claim. What that means to you is you are stuck with all the property damage, rental, medical cost, etc of the other party out of pocket. And trust me.. that can easily get up into 10,000-20,000 dollars with even a minor accident.

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