Whose side would you be on? UPDATE page 17 (?!?)

[Disneylover99]

No, his insurance won’t go up, but my husbands licence will when it comes time to renew.

No fault insurance rules must be different in Ontario then. An at fault accident would affect our insurance rates, not a licence renewal.

 

[anniemae]

Unfortunately, its your bil decision to make. If he was a decent guy, he would give you the money. By law, it's his car. By law the check will be made to him, by law it's his money to do with as he pleases.

It does not matter that bil did not pay ins or did not pay for repairs, or gas, or the windshield etc. All that matters is that its all in his name and there is nothing you can do to get the money. He would have to give it to you in good faith, which it does not sound like he will do. His choice. You have to live with it.

Using the loophole was a bad idea, especially knowing the kind of guy bil seems to be. Your number one priority should have been getting the car and insurance in DH's name. But it seems the car would not pass inspection, so you skirted the rules a bit fully knowing the car was technically not okay to be driven Lesson learned. Just move forward.

 

[SteveH]

That’s the thing though, he WASN’T paying the insurance. We have been from the second he gave us the car. He hasn’t put one penny towards it in three years.

We're you the one writing the check to the insurance company or giving it to him?

I stand by my last comment though, Walk away, learn from it, and move on with your life. It was a bad arrangement from the start and fact that he isn't going to give you the money to buy another car tells you all you need to know about his character. I walked away from my brother over 10 years ago, I have no need to have him in my life or his character either.

 

[MaryLovesPoohBear]

Using the loophole was a bad idea, especially knowing the kind of guy bil seems to be. Your number one priority should have been getting the car and insurance in DH's name. Lesson learned. Just move forward.

Exactly.

I also wonder how much the check would be for. The car was a 20 year old rust bucket, according to the OP.

 

[kimblebee]

We're you the one writing the check to the insurance company or giving it to him?

I stand by my last comment though, Walk away, learn from it, and move on with your life. It was a bad arrangement from the start and fact that he isn't going to give you the money to buy another car tells you all you need to know about his character. I walked away from my brother over 10 years ago, I have no need to have him in my life or his character either.

We were going to the insurance place and paying using debit. They don’t care who physically pays, as long as it’s done.

As I said in a previous post, I decided last night to just zip my lip and let the chips fall where they may.

 

[kimblebee]

Exactly.

I also wonder how much the check would be for. The car was a 20 year old rust bucket, according to the OP.

The cheque will probably be for ~$1000.

 

[okeydokey]

At this point you may have to accept that the repairs and insurance you paid were just the cost of having a car for three years. If your husband was driving, then it should be his license that takes the increase.

I can't imagine a 20 year old car is worth much of anything anyway. I would just start looking for a car you can afford and cease doing any kind of business with the BIL.

 

[Julie's Haircut]

Legally, yes it is. I’m not disputing that. It’s the fact that he gave us the car as a wedding present..not as a loaner; as a keeper. If it was ‘his car’ he should have been paying for all the repairs, no?

No, the person using the car should pay for the repairs and maintenance and insurance, even though the car legally belongs to someone else.

 

[kimblebee]

No fault insurance rules must be different in Ontario then. An at fault accident would affect our insurance rates, not a licence renewal.

Here, it’s all based on deductibles. If our car was worth fixing, we would have to pay our $500 deductible and all repairs would be done. The other driver wouldn’t have to pay their deductible and all repairs would be done.

My husbands licence will take a hit. It was $40 last year and I’m guessing it will be about $100 this year. It goes down year after year based on a clean driving record.

 

[mjkacmom]

I think that since you have being paying the insurance, you should get the check. We don’t have collision on any of our vehicles (10+ years old), so when they get totaled, we get nothing (pay for the tow/impound).

 

[kimblebee]

No, the person using the car should pay for the repairs and maintenance and insurance, even though the car legally belongs to someone else.

I agree, we were totally 100% responsible for the insurance, which we did pay.

 

[Disneylover99]

If the car was a gift with no stipulations, and as long as your brother in law is not on the hook for any type of insurance increase, I think the money should be yours.

 

[Marchand63]

If the car is in your Bil's name, isn't the insurance in his name too? If so, than his insurance rates will likely go up.

Legally, yes it is. I’m not disputing that. It’s the fact that he gave us the car as a wedding present..not as a loaner; as a keeper. If it was ‘his car’ he should have been paying for all the repairs, no?

Ok so let me get this straight. You are skirting the law by using his car for 3 years while not having it legally registered to you. Your DH causes an accident, if he rear ended someone he was following to close. You do know if your DH had hurt someone your bil would be on the hook.
It’s gonna be a grand. And you are getting all butt hurt why?!?

Sorry I would be grateful someone gave me a car to use. And why would he have to pay for upkeep on a vehicle you had the advantage of?

 

[kimblebee]

Ok so let me get this straight. You are skirting the law by using his car for 3 years while not having it legally registered to you. Your DH causes an accident, if he rear ended someone he was following to close. You do know if your DH had hurt someone your bil would be on the hook.
It’s gonna be a grand. And you are getting all butt hurt why?!?

Sorry I would be grateful someone gave me a car to use. And why would he have to pay for upkeep on a vehicle you had the advantage of?

Yes, we skirted the law by not registering the car in our name. Not saying it’s right, it’s just what is done here.

No, bil would not have been on the hook. There are no oop medical expenses or anything like that here. Our insurance covers it all.

I’m getting all butt hurt because it’s our car (yes, by handshake agreement) so we should get the write off value.

I wish people would read the whole thread before commenting. These comments are getting repetitive..

 

[Skywalker]

Ok so let me get this straight. You are skirting the law by using his car for 3 years while not having it legally registered to you. Your DH causes an accident, if he rear ended someone he was following to close. You do know if your DH had hurt someone your bil would be on the hook.
It’s gonna be a grand. And you are getting all butt hurt why?!?

Sorry I would be grateful someone gave me a car to use. And why would he have to pay for upkeep on a vehicle you had the advantage of?

Gotta agree with this - you got a car for 3 years and you paid for the upkeep of the car during that time. I'm sure going three years without car payments or buying a car was of a great benefit to you so why don't you just consider that the gift. I also was thinking of any liability issues, if your brother in law was sued as a result of the car, would you be stepping up waving saying "no sue us instead, it's really our car"...I am sorry but I am doubting you would.

 

[Marchand63]

Yes, we skirted the law by not registering the car in our name. Not saying it’s right, it’s just what is done here.

No, bil would not have been on the hook. There are no oop medical expenses or anything like that here. Our insurance covers it all.

I’m getting all butt hurt because it’s our car (yes, by handshake agreement) so we should get the write off value.

I wish people would read the whole thread before commenting. These comments are getting repetitive..

No the comments are just not agreeing with your thought process.

So in Canada you can’t sue if the insurance medical doesn’t cover all the injured expenses or pain & suffering if your DH had killed someone using bil’s car?

It’s a thousand dollars vs a family member. Just do Frozen & let it go.

 

[kimblebee]

Gotta agree with this - you got a car for 3 years and you paid for the upkeep of the car during that time. I'm sure going three years without car payments or buying a car was of a great benefit to you so why don't you just consider that the gift. I also was thinking of any liability issues, if your brother in law was sued as a result of the car, would you be stepping up waving saying "no sue us instead, it's really our car"...I am sorry but I am doubting you would.

It’s no fault insurance..there’s no suing to worry about.

 

[BLAZEY]

No the comments are just not agreeing with your thought process.

So in Canada you can’t sue if the insurance medical doesn’t cover all the injured expenses or pain & suffering if your DH had killed someone using bil’s car?

It’s a thousand dollars vs a family member. Just do Frozen & let it go.

Nope because the medical is covered by the universal provincial government medical and the extra is covered by the medical portion of the car insurance. The only time you can sue if the at fault person was uninsured. And it would only be for what wasn't covered by the province's medical plan which probably wouldn't be much if anything.

 

[kimblebee]

No the comments are just not agreeing with your thought process.

So in Canada you can’t sue if the insurance medical doesn’t cover all the injured expenses or pain & suffering if your DH had killed someone using bil’s car?

It’s a thousand dollars vs a family member. Just do Frozen & let it go.

For at least the third time, I decided last night to let it go.

 

[sk!mom]

Ok so let me get this straight. You are skirting the law by using his car for 3 years while not having it legally registered to you. Your DH causes an accident, if he rear ended someone he was following to close. You do know if your DH had hurt someone your bil would be on the hook.
It’s gonna be a grand. And you are getting all butt hurt why?!?

Sorry I would be grateful someone gave me a car to use. And why would he have to pay for upkeep on a vehicle you had the advantage of?

Agree 100%. I would add that we are only getting one side of the story. I wonder if the BIL thought he gifted the car or if he thought he was letting his brother use it. I'd love to hear his perspective. Maybe he really is a jerk but that assessment seems to go against him letting the OP use his car for 3 years.

I'm sorry OP but you really seem ungrateful. He let you use a car for three years. Now after your DH wrecks it, you also think that you should get the disbursement.

As far as you paying for repairs and insurance for 3 years, you were driving the car! If fixing it wasn't worth it, you could have returned it to BIL at any time and bought your own car. You chose to rely on goodwill.

I feel for the brother. He seems to be living out, "No good deed goes unpunished" with you.

Yes, we skirted the law by not registering the car in our name. Not saying it’s right, it’s just what is done here.

No, bil would not have been on the hook. There are no oop medical expenses or anything like that here. Our insurance covers it all.

I’m getting all butt hurt because it’s our car (yes, by handshake agreement) so we should get the write off value.

I wish people would read the whole thread before commenting. These comments are getting repetitive..

I've read the whole thread as I'm sure others have. It seems repetitive because you aren't getting the affirmation that you were seeking. This should make you reassess your reaction but instead you're getting defensive.