Tuesday, April 27, 2010

Relationship ended, bth name on title. Insurance cancelled, she is still driving no insurance. Need advice!?

Ex is still driving with infant child in car. The male is concerned for his well being and childs because his name is still on the car title. She is suppose to have full coverage on the car due to a lien, but refuses. What actions should he take in this matter. They have been seperated for over a year now.Relationship ended, bth name on title. Insurance cancelled, she is still driving no insurance. Need advice!?
Well there are two issues here





1) The safety / security of the infant: That should be paramount and if it is a concern then the father should act on it by documenting it and then taking action with the proper authority.. sorta like ole Britney driving with the kid on her lap (grin).





2) His liability.. yep.. if she has an accident the BOTH will be liable and get sued.. there are two options that I see....


a) He takes out insurance on the vehicle for both parties.


b) He signs over his ownership in the car to her - sounds like its pretty much hers anyway..





..





good luck either way..





.Relationship ended, bth name on title. Insurance cancelled, she is still driving no insurance. Need advice!?
Call the loan company and talk to them about it. That may be default on the loan because insurance is a stipulation of the loan. If his name is on the title he can be held reasonable for her actions such as crash etc.
He should call the cops and turn her in.
If the lienholder requires full coverage insurance and you know that she does not have it...then you need to notify the lienholder. Tell them that you no longer have this vehicle and that the proper insurance is not on the vehicle and that you don't want to be responsible for this vehicle anymore.
What separates the two names on the title? Is it ';and'; or is it ';or';? If it's or, either party can make changes to the title, and if it is or, I'd suggest he take his name completely off so it won't come back to bite him.





If it's and, and she was given the car in the settlement and there are official papers to that effect, I'd take the papers to the DMV and ask for my name to be removed.





If there is no official settlement...and it's and rather than or, I'd go talk to a competent attorney (or is that an oxymoron?) and ask for advice.
-Call the leinholder and advise them that the car has no coverage. They may be able to put the heat on her.


-He needs to get his name off of the title, because if she hits someone the other insurance company will go after both of them for reimbursement.
IF SHE HAS NO INSURANCE THEN SHE IS BREAKING THE LAW AND IF CAUGHT WILL BE PROSECUTED AND THE CAR COULD BE COMPOUNDED. I WOULD INSIST THAT SHE GETS INSURANCE IF NOT I WOULD NOT ALLOW HER TO HAVE ACCESS TO THE CAR (IF POSSIBLE) AND CERTAINLY WOULD NOT ALLOW A CHILD TO BE DRIVEN AROUND IN IT. IF SHE STILL INSISTS I WOULD SEEK LEGAL ADVISE VIA CITIZEN ADVICE BUREAU
I had the same problem when my ex and I split up. The police wont do anything, I tried. You could call the company that holds the lien and they will put insurance on it. It will be really expensive, $100's/ month, but at least it will have insurance. If something were to happen to the car with no insurance both parties will be responsible for damages. Good luck!
If there is a lein on the vehicle, call and let the loan company know, and they will place insurance on the vehicle at a higher rate, then include this charge with the payment.


As for your name on the title, just tell her, you will go to the licens branch with her, and you will pay for the new title fee, which is usually around 20dollars





Good luck

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