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project car non opp insurance whats up?

Discussion in 'Members' Lounge' started by blackdahlia6, Jul 29, 2009.

  1. blackdahlia6

    blackdahlia6 New Member

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    i am living in my parents household and i am about to be added to their policy on our camry. ill probably drive that car probably twice a week for an hour total. i am told that it is going to cost an extra like 150 a month for me to be insured on that car.

    if i register my car as non opp right when i get put on their policy is it going to cost any for my non opp? do i really have to be paying liability to drive my step moms car an hour total a week while she is the primary driver? if i got in a wreak wouldnt her insurance just go up, or am i fucked for not being insured on it and driving it?

    it seems like a dumb question, of course you have to be insured but if im not the primary driver why should my step mom and i both be paying the same for the same car?

    im just pissed to hear my cars out of commision for now and i have to still be paying insurance to go to the grocery store and the junk yard

    or are insurance companies just being bastards as usual
     
    1 person likes this.
  2. INJEN78

    INJEN78 HS LEGEND

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    fuck that dont get on the insurance...if you will barely be driving the car then you have no need for her insurance..or just get a ride from friends
     
  3. blackdahlia6

    blackdahlia6 New Member

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    before all my friends and i got cars, everyone had their license and werent on insurance and still drove their parents cars places.

    my number 1 question is why do i have to be insured on the car if im not the primary driver? lets say i was insured on my car and my friend on his and i drove his car and got pulled over, im not on that cars insurance so im busted? nah that cant be true cuz its happened many times
     
  4. Briansol

    Briansol Admins Admin VIP

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    the CAR needs to be insured, not the DRIVER.


    you should automatically be on their policy as a driver in the household already
     
  5. reckedracing

    reckedracing TTIWWOP VIP

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    i think thats what he's talking about
    the insurance company found out there is an additional driver in the house with no vehicle in his name
    so they want to add him to the policy and charge more since they have to cover him driving the car

    this is what happened to me and my brother when we got licenses
    we had to go and get out own insurance/cars so they didn't rape our parents to cover us on their cars
     
  6. blackdahlia6

    blackdahlia6 New Member

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    yes thats what happened, they have me and my step mom paying the same amount for the same car.

    at least my car will only be out of commission for a month
     
  7. D16Civic

    D16Civic Matt

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    I don't think it matters whether you have your own vehicle or not. Once the insurance company finds out how many licensed drivers are in the household you're basically stuck.

    Just as you will be rated on your step-mothers car, she (and your dad) will be rated on any vehicle you own.

    Just telling them "he has his own car, he won't be driving ours" isn't going to make any difference.

    At least in my experience.
     
  8. blackdahlia6

    blackdahlia6 New Member

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    bastards. well when my cars up and running and my insurance goes back to only my name it will actually be cheaper than what im paying now

    things happening 8 years ago are still killing my parents insurance
     
  9. Briansol

    Briansol Admins Admin VIP

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    if thats the case, why don't you just insure your car now?
     
  10. reckedracing

    reckedracing TTIWWOP VIP

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    once we showed i had a vehicle and my own insurance i didn't need to be added to their policy any longer
     
  11. blackdahlia6

    blackdahlia6 New Member

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    it is insured but its out of commission for a month or so and i need my step moms car to drive until then.

    they said i have to be on the policy of a running car if im going to be driving
     
  12. E_SolSi

    E_SolSi Member of the 20 nut club Moderator VIP

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    why do they know your car is currently not drivable???
     
  13. blackdahlia6

    blackdahlia6 New Member

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    my dad thinks i dont know how to fix my car and says its going to become a permanent lawn ornament. thus he thinks itll take me 4 months to put rear gsr disc brakes and refresh the engine with new parts
     
  14. D16Civic

    D16Civic Matt

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    If 4 months is the over/under, I'll take the over. lol

    Any takers?

    Edit:

    I mean, he's 18, and I remember myself at 18, and I seem to remember some posts about hallucinigenic drugs in the past. Sometimes the priorities of an 18 year old get skewed.

    Nothing personal young man.
     
    Last edited: Jul 29, 2009
  15. reckedracing

    reckedracing TTIWWOP VIP

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    does your engine run?
    if it does don't rip it apart
    and fuck the brakes, i'd rather have a car i can drive over a project car that sits there
     
  16. E_SolSi

    E_SolSi Member of the 20 nut club Moderator VIP

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    what does this have to do with the insurance company knowing that your car isnt operable?
     
  17. D16Civic

    D16Civic Matt

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    You didn't volunteer this information to them did you?
     
  18. blackdahlia6

    blackdahlia6 New Member

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    it slipped out when insurance prices got muffed up and my name got involved.

    ahhh good to see see my lsd joke is still floating in the minds of people haha

    i wouldnt have decided to give my car some TLC if there would be any slight chance of my car being out for 4 months andnot be able to get to my job in this economy. but thanks for trying! i know what your saying, my friend has 4 chevy camaros in his moms back yard. all which dont run. im not that guy.

    i guess i can thank my mom for that!
     
  19. Jeef

    Jeef NO MA'AM Moderator VIP

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    My insurance policy says on it that in CT any licensed drivers that live in the household must be listed on the policy if they will be driving the vehicles covered under the policy. If they are not listed the insurance company does not have to pay. Check your state laws.
     
  20. blackdahlia6

    blackdahlia6 New Member

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    yeah i had a long talk with them, thats exactly what they said
     
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