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Post by jules on Jan 23, 2008 9:25:42 GMT -5
Ex and I have been separated since September. It was not amicable. There has been no contact from either of our ends, except when I informed him he was being served (to verify where he would be that morning) and when he told me he was taking his personal furniture from the house. (Before the separation he informed me that he would get out of my life if I would agree to give him his personal effects, including some furniture from before we were married, some cash, and the new car.) I found out through a mutual friend that he moved out of state. I do not know his address and have been forwarding his mail to his parents' house where he stayed immediately following the separation.
Here's my dilemma. Car insurance renewal is due -- like soon. Like the end of the week. (Yes, I've been procrastinating thinking about it.) The car he took with him is the only car still on the policy (since mine was totalled in September). It is a renewal for 6 months, and around $600. The policy has me as the primary person (since I added him onto my policy when we got married.) The car is in both of our names.
I don't want to pay the renewal, but I also don't want to be liable in case something happens. Do I break the no contact to ask him if he's obtained another car insurance policy, or if he wishes to continue the current policy and request that he send me a check for the $600? Do I say nothing, just pay it, and keep a record of it so it can be deducted from the cash he requested as part of the divorce settlement? Do I ask the insurance company if I can just pay a part of it (say for a couple of months) considering the divorce ought to be final in the next month or so?
I really don't want to contact him. But I also really don't think I ought to be footing his bills anymore.
(Unfortunately my lawyer is on vacation this week. But I don't think this is a matter that would be a matter of law anyway. It's the principle of the thing.)
Thanks for your advice.
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Post by Dave on Jan 23, 2008 9:35:06 GMT -5
if your name is still on the car i would make sure that you were covered for liability purposes. You should be able to go month to month on your insurance and document what you do pay for repayment purposes.
If you don't want to break no-contact this issue isn't something to force you to do so.
IMHO.
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Post by jules on Jan 23, 2008 9:51:57 GMT -5
Thanks. That's pretty much the option I was leaning towards. (Though if anyone else has another opinion, I'm glad to listen. Heck I've procrastinated this long...)
What about the new insurance card? Send it to his parents' address?
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Post by Dave on Jan 23, 2008 10:15:04 GMT -5
sure, if you want, but i wouldsay that it is not your responsibility. For all you know he is insuring the car on his own and has his own card. I wouldn't waste the 41 cents on it, but then i am a jerk when it comes to things like this.
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Post by finding on Jan 23, 2008 10:51:31 GMT -5
Ah, brings back memories of the good old days. I was paying the insurance on both our vehicles when he got pissy over something and threatened to take me off the policy even though I had just paid the premium. Two days later he was irate because I had removed my vehicle from the policy and gotten my check back. He wasn't happy to have to pay his own insurance.
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Post by freckles on Jan 23, 2008 11:09:21 GMT -5
Why did you break up ?
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Post by Saucy on Jan 23, 2008 12:11:19 GMT -5
If i was you, i wouldnt pay for it. He wanted the car, therefore, its going to stipulate in the decree that he's claiming that car. You probably could notify him that the insurance is up as a courtesy. but i wouldnt pay it. You definitely should bring it up to your attorney if you end up paying it, but it doesnt make sense if he's driving it and claiming ownership and YOU are the one forking the money for insurance. If something happens like an accident, and the other party wants to sue YOU for damages because your name is on the title, you could always contest that in court with your divorce judgment which would stipulate ownership, considering the divorce gets finalized in the next couple months. But I wouldnt pay, especially if he left town.
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Post by RO on Jan 23, 2008 14:31:11 GMT -5
jules,
If your name is on the title...at least pay it month to month. You do not want to be liable and do subtract it from the money he is getting in the decree...
They will spell it all out. My exh and I split up stuff in the midst of it all but we had a spreadsheet detailing each and everything and car insurance since he was on my car but I was not on his truck was on there...
Good luck! Call that LAWYER!!!!
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Post by lumpy on Jan 23, 2008 14:53:37 GMT -5
Is the car signed over to him? If yes, then you shouldn't be liable. If this if the case I'd contact his parents and ask them to let him know the insurance is up.
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Post by jules on Jan 23, 2008 15:00:58 GMT -5
Both our names are on the title. Nothing has been signed over or finalized yet. The insurance policy is in my name. And I want to keep a good relationship with the insurance company. I've been with them since I was 16, get great rates, and will want to insure my next car with them (just holding off on acquiring any more assets until the divorce is final.)
I'm going to ask about the month by month payment option and keep track so it can be deducted from the settlement (hopefully). Quite honestly, it's worth a couple of hundred bucks to not have to contact him about anything. And I know he won't even think about obtaining insurance on his own.
But I am going to save that $0.41 and not mail the new insurance card to his parents'. If that makes me petty, so be it. I'm only interested in covering my own arse.
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Post by blazinheart on Jan 23, 2008 15:24:26 GMT -5
(Unfortunately my lawyer is on vacation this week. But I don't think this is a matter that would be a matter of law anyway. It's the principle of the thing.) Uh, this is exactly what lawyers are for. You hired the guy to be your go between, he does the dirty work. I'm assuming you don't want to contact your boyfriend because he's upset about you divorcing him and you're afraid where the conversation might go. So my suggestion is to wait til your lawyer gets back and have him contact your stbx about the policy renewal. Quite simple actually.
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Post by wizer on Jan 23, 2008 15:29:28 GMT -5
^ Yes, definitely an attorney question. This one is too complex to leave up to well meaning posters on a forum. Too much grey in there.
My thoughts would be not to pay the insurance and if he drives a car which is uninsured, than it's his problem, but to gamble on that could be quite costly in the event of an accident with people or property damage. Don't be pennywise and pound foolish. Get on the phone.
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Post by jules on Jan 23, 2008 15:30:23 GMT -5
(Unfortunately my lawyer is on vacation this week. But I don't think this is a matter that would be a matter of law anyway. It's the principle of the thing.) Uh, this is exactly what lawyers are for. You hired the guy to be your go between, he does the dirty work. I'm assuming you don't want to contact your boyfriend because he's upset about you divorcing him and you're afraid where the conversation might go. So my suggestion is to wait til your lawyer gets back and have him contact your stbx about the policy renewal. Quite simple actually. Wrong assumption. Very wrong. But that's beside the point. Renewal is due by the end of this week. Attorney is on vacation for 2 weeks. My own fault for procrastinating, I know. Thank you for your kind suggestion.
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Post by blazinheart on Jan 23, 2008 15:37:12 GMT -5
Wrong assumption. Very wrong. Well, if you're not afraid to talk to him, then why not just call him? I mean, this is the man who used to be your husband, who you once loved and chose to be with for the rest of your life, through good times and bad, and now you can't even discuss a simple thing like an insurance renewal? I guess I just dont' understand your logic.
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Post by lumpy on Jan 23, 2008 15:44:03 GMT -5
Wrong assumption. Very wrong. Well, if you're not afraid to talk to him, then why not just call him? I mean, this is the man who used to be your husband, who you once loved and chose to be with for the rest of your life, through good times and bad, and now you can't even discuss a simple thing like an insurance renewal? I guess I just dont' understand your logic. Logic and divorce don't mix. You of all people should know this. Some of the worst (and stupidest) arguments I had with my ex stemmed from what seemed to be very mundane situations.
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