My sister had a wreck in my car a while back, everytime I apply for insurance I get a bad deal. What should I?

Answer 1

You'll have to suck it up until the accident is over three years old. Your car was in a wreck, and your policy paid out - this is just going to follow you.

Answer 2

This is a case where both of you are being penalized, because the wreck will follow you both now.

There's really not much you can do about the rates you're being offered. You have an accident on your record now (it will show up on what's known as a CLUE report.) Even if you "lucked out" and they forgot to run the report before giving you a quote, even if you wrote the policy (hoping to grab it while the getting is good, so to speak), every policy is subject to underwriting review. When the underwriting dept. finds the accident (and they will), you'll be back in the same boat.

Bite the bullet. Your insurance paid, so your rates will reflect the accident. That's just the way it works. You may want to consider increasing your deductibles (if you need full coverage), or carrying only the types of coverage required by law in your location (where applicable -- it's usually "liability" coverage, which includes property damage and bodily injury coverage.)

Answer 3

You learned the hard way about lending your car. You are lucky if she did not hurt someone because you as the owner of the car would be responsible.

Insurance companies are there to make money. If they decide to insure a bad risk, they make the person pay through the nose.

Answer 4

Does your sister have her own car insurance? If she does there's a slim chance that your insurer may allow the accident to be charged on her policy, thereby affecting her rates. As I said this is a very slim chance, but unfortunately it is the only option I can see.

Answer 5

One trick i learned is to have a 2nd vehicle. I use a moped. So, I told the insurance company that I would only use my car 3 days a week and drive my moped the rest of the week. My insurance premium was cut in half.

Answer 6

Her accident does not have to haunt you. Most of the big companies will not penalize you for her accident. They will void the claim because she does not live in your household. They will require proof that she has her own insurance, but shop around and don't give up. You can find a better rate, it just takes a lot of shopping.

Answer 7

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Answer 8

Your sister's driving habits belong to her only & don't reflect on you. Your rates are based upon YOUR driving record and no one elses.