Anyone who has knowledge of car insurance?
I accidentally backed up into another car I own. My fiance is paying the car payments and insurance for the car I backed up into but the car is in my name. We talked to the insurance agency (state farm) and our insurance agent told him that since they can’t raise my insurance because I own both vehicles then they are going to take away his "good driving rate" so his insurance will go up. How in the world do these insurance places work? that’s not fair because he was in the passenger seat when it happened. If anyone is knowledgeable of car insurance please help me understand if I am getting screwed or not and why they are picking on him and not me… we are getting the door replaced after our 500 deductible is met.
I don’t crash a lot ‘prefessional peon’, this is my very first accident and I am 33 years old with an excellent driving record….thanks for the answer and the verbal beating. 
Tagged with: 33 years • car insurance • car payments • crash • fiance • google • insurance • insurance agency • insurance agent • passenger seat • prefessional • script type • state farm • text javascript
Like this post? Subscribe to my RSS feed and get loads more!
he has the insurance? or you do? if the vehicles are in your name, the insurance should be also, If you had the accident, and are driving vehicles on his policy, then he loses the discount for safe driver because he can’t have accidents and a safe driver discount. This is correct, this is legal, and hey, this is fair. If he had not even been in the CAR his discount would be lost. (hey, elect a lower deductible next time)
You can compare how the insurance quotes would change, for example here – autoinsurance.hotusa.org
The good driver rate is for people who don’t get into accidents. It’s a savings they give since you don’t cost them money.
If you crash into something, then you cost them money, so they remove the discount you were getting.
Basically your boyfriend is SOL cause you crashed. IDK why they said anything about since the car is in your name. It doesn’t matter who ownes the car, his policy covers it, so his policy looses the good driving rate.
I FIXED IT IM SAWWY DON’T CRY!!!!