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jenny
L O V E
Member since 4/06 2784 total posts
Name:
Mommy
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Car Insurace question regarding past accident
I have a question...4.5 years ago my dad had a minor accident that was his fault. He was also diagnosed w/ alzheimner's (prior to the accident) and my mom decided that after the accident she would have his license taken away. He has NOT driven in 4.5 years and no longer has a NYS license, just an NYS ID card.
My mom called an insurance company yesterday for a quote and was told b/c she's his spouse, she has to be "charged" for the accident for 5 years. So basically, my dad doesn't have a car, doesn't drive and my Mom is being charged w/ his accident from 4.5 years ago. Is that correct or is the insurance company pulling a fast one?
TIA!!!
Message edited 4/27/2011 7:21:49 AM.
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Posted 4/27/11 7:20 AM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
MrsSpring
I'm a lucky mama
Member since 1/10 7585 total posts
Name:
L
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Re: Car Insurace question regarding past accident
my insurance almost doubled when i told them dhs name . 
Since your dad no longer has a license is making this a little confusing. Can she try calling another insurance company.
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| Posted 4/27/11 7:27 AM |
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smdl
I love Gary too..on a plate!
Member since 5/06 32461 total posts
Name:
me
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Re: Car Insurace question regarding past accident
I would call around. That's just ridiculous! She was not the person who had an accident.
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| Posted 4/27/11 8:09 AM |
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DrMeg
Back home!
Member since 5/08 1858 total posts
Name:
Meg
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Re: Car Insurace question regarding past accident
Did she legally have his license taken away through DMV? My parents ran into a similar problem when my Grandfather was living with them. Although he didn't drive the company wanted to list him on their insurance. I don't know if they had to get some sort of proof from DMV but I can ask if you'd like.
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| Posted 4/27/11 9:07 AM |
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TZ0624
LIF Adult
Member since 2/10 1819 total posts
Name:
T
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Re: Car Insurace question regarding past accident
I don't think that is correct. He doesn't even have a license. I would get a quote from another insurance company.
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| Posted 4/27/11 9:11 AM |
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mrsboss
my little love
Member since 12/09 5054 total posts
Name:
Me
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Re: Car Insurace question regarding past accident
Were they both named as policyholders? Mr. and MRs. SMith? Or was the policy just written in your dad's name, Mr Smith only?
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| Posted 4/27/11 9:16 AM |
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Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
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Re: Car Insurace question regarding past accident
Incorrect.
1st of all, most companies dont look at an accident unless within 3yrs. also providing that he dosent have a license either, she cant be charged for it.
Was she trying to switch or just with the current company she has?
I know that sometimes an accident can follow the car not the driver and vice versa. Again each company is diff.
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| Posted 4/27/11 9:25 AM |
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jenny
L O V E
Member since 4/06 2784 total posts
Name:
Mommy
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Re: Car Insurace question regarding past accident
Posted by Smileyd17
Incorrect.
1st of all, most companies dont look at an accident unless within 3yrs. also providing that he dosent have a license either, she cant be charged for it.
Was she trying to switch or just with the current company she has?
I know that sometimes an accident can follow the car not the driver and vice versa. Again each company is diff.
It's crazy and my mom is arguing w/ me!!!
She called a new company for a new quote and the car that was in the accident has been sold.
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| Posted 4/27/11 10:11 AM |
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jenny
L O V E
Member since 4/06 2784 total posts
Name:
Mommy
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Re: Car Insurace question regarding past accident
Posted by DrMeg
Did she legally have his license taken away through DMV? My parents ran into a similar problem when my Grandfather was living with them. Although he didn't drive the company wanted to list him on their insurance. I don't know if they had to get some sort of proof from DMV but I can ask if you'd like.
Yes, license was officially taken away and a NYS ID card was issued.
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| Posted 4/27/11 10:13 AM |
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Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
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Re: Car Insurace question regarding past accident
FM me, I work in insurance.
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| Posted 4/27/11 10:15 AM |
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Dani922
Here's to new beginnings
Member since 10/07 7260 total posts
Name:
Danielle
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Re: Car Insurace question regarding past accident
Hmmm sounds off to me. I work for an insurance company. In general, accidents are charged for 3 years, but are often considered in underwriting for 5. However, in my experience, if someone's license is taken away, they'd still be on the policy as a spouse, but shouldn't impact because they are not & cannot drive.
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| Posted 4/27/11 10:04 PM |
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