Rep Power: 685

k well i got into an accident making a left hand turn, it was my fault cause i didnt pay enough attention. Here's the thing though, the car is under my dad's name (90 accord) and it was always like that without me being under the insurance. Good thing is i changed my address around 3 days before the accident, cause we moved 4 months before that and i didnt change it until then, lol...The insurance was involved in the accident as the police came and everything. The damn old women files a bodily harm report even knowing i hit her going 10-15km/h and she was fine before, anyways my question is will my dad's insurance go up or will it go under my name. And if i register the car under my name with my own insurance will my insurance go up then and not his? If i cant do anything about my dad's insurance going up then i had a plan b. Change my address to my mom's name since they want me to be included in my dad's insurance now since I live with him. Or is it better if i change the address to my mom's AND get the car under sombody else's name?i need help the insurance is on my *** now. I cant have the car under my name cause of my driving record, the insurance will be through the roof and im 19 as well.

 
Rep Power: 727

so let's get this straight ... the car AND the insurance is under your dad's name? you're not even on the policy?

in that case, the accident will influence his insurance premium regardless of what you do (address change, etc.)

if you're 2nd, or 3rd driver on the policy, than the claim will be a part of your record which will influence any future policy you have on your own or with your dad.

 
Rep Power: 685

yes the car AND the insurance is under my dad's name, im not included in the policy at all and i cant either caue of my driving record...the reason i wanted to change the address is so they dont put me under my dad's policy since ide be in the household and his insurance would skyrocket cause of my record...and yeah, so ur telling me that the accident is not on my record its on his so when i go and get insurance my self later, the accident wont show up under my name but will under his, correct?

 
Rep Power: 727

from my understanding of car insurance, yes, that's what's going to happen. since the car AND insurance is in his name only, the claim will be directed to him and influence his record.

mind you, if and when you go out for your own insurance it doesn't matter what address you put, it's still going to be high (you're young, only have your g2). if anything, it'll be cheaper if you put the same address because you get multi-vehicle discount with cars under the same roof (this discount can be as much as $100 a month).

 
Rep Power: 685

like i said i cant put my name in ANY insurance policy, 1st 2nd or 3rd driver, insurance will be crazy, i got 4 speeding tickets in one year, and they are all over 15km/h, ****ing hate it..one time they cop picks me out of the whole pack...anyways, i want the car insured under my dad's name still without me being under the polciy which is why i wnat to change the address but if his inssurance will be too high i might put the car in my mom's name so that the insurance for that car is still lower

 
Rep Power: 735

You're lucky if the insurance company covered it.. most policy will not cover "OTHER" driver not on the policy under the age of 25 driving the car..

And or turn around and say we're not covering it cause your dad "lent" the car to you knowing you're not under his policy or insured unless he press charges for you stealin the car. <-- this however is usually just a scare tactic.. they may however maybe have him sign an agreement sayin you'll never drive the car and or keep him insured when it comes time to renew unless you move out ( change of address )

 
Rep Power: 716

You say you have four speeding tickets, plus an accident, plus probably a fail to yield ticket as a result of that accident. Your father is a fool for risking his insurance policy with your demonstrably-poor driving abilities and record. By continuing as you are, you are risking everything he and your mother own in the way of assets. If you have one bad accident with the wrong person, they could lose everything becauseof you.


Why don't you do your father and mother a real big favour and just quit driving until you can do so under your own name? They shouldn't have to pay the freight and risk all they own because of your driving inadequacies.

 
Rep Power: 685

please dont tell me uve nver gone 15-20km/h over the speed limit, may be by accident, in a hurry, or checking if something is wrong with the car...****, i see people in 60's getting pulled over for speeding...its tru i got 2 speeding tickets going 15 and another 20 over because i was in a hurry and i stopped doing that, not worth the ticket...antoher one i got cause i had a mechanical problem so i was trying to see what it is, it happpened when i accelerated so i did and overdid it, i even slowed down to the speed limit but the cop caught me before i slowed down, and one was by accident, all of them where at speed traps...i got unlucky and stupid 2of the time times...u learn from ur mistakes, i drive safe trust me, having to avoid like 20 accidents cause of somebodyelse's mistakes.. happens but dont judge me, cause u dont know me...ppeople get unlucky, insurance company's go by the record so u get ****ed, what can u do...and they wont lose all their assets, research befor u spray ur opinion out...back on topic the insurance was liability only and they do cover me thats y they want me in the policy now but i cant be under it...and trust me tons of people are driving their car which is under their parents name and they are not, its ontario not a lot of college/university students have the money to pay for insurance

 
Rep Power: 716

You need to do the research - Compulsury Insurance Act of Ontario plus the relevant parts of your own insurance contract with respect to the remedies available to insurance companies when faced with policy holders who misrepresent or withhold relevant information pertaining to the use of insured automobiles and those drivers who have primary access to them.

To save you some time, think policy cancellation, refusal to pay claims, placing your name and your parentsl names on insurance company blacklists for misrepresentation, which means automatic 100% surcharge for several years following, IF you can find someone willing to sell you insurance again. In particular, focus on policy cancellation after an accident AND refusal to pay claims arising out of that accident, plus no legal representation on your behalf if an injured party decides to sue you and the vehicle's legal owner of record (your parents) for everything you collectively have.

It doesn't matter what "others" are doing or have done and got away with. "Others" have also managed to rob banks and do grow-ops without getting caught - that doesn't mean that people do not get caught and pay substantial penalties. The problem with YOU doing it is that your already badly tarnished driving record means that you are statistically far more likely to be involved in a huge accident than someone with no previous tickets or accidents. That badly tarnished driving record is not only a predictor of future accidents, but also a red flag for insurance companies to take a good hard look at you if you should be involved in an accident again while driving a car in your parent's name. You've painted that red flag on yourself.

You claim to have been "unlucky"? Maybe the first time is unlucky, but after that every added ticket in such a short time is not more bad luck, but more mounting proof of driving stupidity on your part. The accident is just icing on the cake. You're moaning about insurance rates now, but your parents are the ones who will be taking the hit in the form of higher rates because of that accident. Screw up again (and your current driving record suggests that is very likely to happen) and you could cost them huge and far beyond what you can even imagine.

Some people just shouldn't drive. Others are salvagable but need a good hard boot in the *** and high insurance rates are that boot. Right now you need that good hard boot in your ***. Instead, you seem to want to keep sticking it to your father as you make excuses for being "unlucky" and ask how to best go about defrauding your insurance company. Make no mistake - if caught your parents will pay a severe rap because you don't seem to know how to drive. What a hero you are.

 
Rep Power: 685

k think w/e u want to think, ill still keep on driving no matter what u have to say about me...u cant base everything on history...im sorry to say man, but u base everything on statistics which aint good...anyways im probably going to register the car somewhere outside of toronto under my name if i can..and ur basically telling me that im a worse driver than the guys who have nice cars and speed and street race, im sorry...but thats just wrong

 
Rep Power: 685

k think w/e u want to think, ill still keep on driving no matter what u have to say about me...u cant base everything on history...im sorry to say man, but u base everything on statistics which aint good...anyways im probably going to register the car somewhere outside of toronto under my name if i can..and ur basically telling me that im a worse driver than the guys who have nice cars and speed and street race, im sorry...but thats just wrong

and for the note, all the parents have to say is that they never knew they have to report another driver if they borrow they car a few times a year

 
Rep Power: 716

Proven fact - a person's past provides the most reliable predictor of his future.

You registering a car outside of Toronto - if you still actually live in Toronto and your car is primarily garaged in Toronto, that constitutes insurance fraud. It's also an offence under the HTA - make false statement. When you get caught, and I say "when" because your driving record already puts you under a spotlight, you will be cancelled. If you are later able to find someone willing to sell you insurance, you will find a 100% surcharge over and above any other surcharges you already have to pay because of your rathere xtensive ticket and accident history.

As for you being a worse driver, your have 4 speeding tickets and an accident and probably a fail to yield charge all in a year's time. That kind of record certainly doesn't put you in the running for Canada's Best Motorist.

 
Rep Power: 716

[double post]

 
Rep Power: 685

I see what u sayng and u are right but its not always true. Good drivers have a bad day too like my friend, he's a delivery driver and too got into an accident, and i know alot of ppl who speed more then i do and never get caught they just know where the cops are and . I got into an accident and it was my fault i wont deny but how can someone not see u in the midddle of an intersection. The accident was just timed right, i looked at my cell phone to check the time after i checked if its clear to go and when i look back there's a car going right at me. If it was me on the other side ide see the guy and his/her mistake, everyone makes mistakes sometimes but the difference with me i notice OTHERS mistakes all the time, having to avoid 1 collision every few weeks, im aware of my surroundings, at the time of the accident i wasnt aying enough attention and i learned from my dumb mistake. I got the speeding tickerts in a period of 2 years actually and ive been driving for 4, having to drive over 100, 000km as i travel alot. If that doesnt justify my driving then i guess i am a abd driver.

 
Rep Power: 702

u said ur nineteen...so uve been driving 2 years, ur g1 doesnt count, ur parents are in the car with u!
2nd off, ur plain dumb...ya i have 2 tickets to...my average speed is 30 over the limit when i drive newhere (not saying thats good) and i put easily a thousand k's a week on...half highway and half city
im 18 with NO accidents
i can tell u right now wat ur problem is
ur cocky! and think ur better than u are, u dun scan n look for problems before they occure
i drive almost none stop, and ur the people who r cutting me off n risking my clean record,
and now ur risking ur parents?
stop trying to find the "easy" way out n accept that no one wants to insure u, and u earned that urself