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

[buzzrelly]

Then you missed the multiple times where I said he gave us the car as a wedding gift. In the eyes of the law, yes, it’s his car because his name is on the insurance. Basic decency says it’s ours because he, you know, said he gave it to us.

I actually read that in your original post.

I thought you wanted opinions, but I guess not.

 

[mom2rtk]

No, he shouldn’t have paid for gas. I agree we should have paid for repairs; we never once asked him to pay for anything. Granted, we were under the assumption that the car was ours. Not really an assumption though as it was clearly stated.

The sentences do go together. My husband can have the same relationship with his brother that he’s always had. I’ll just stop being civil to him in so much as I just won’t be around him. He doesn’t come over often, but when he does, I’ll just excuse myself.

Yes, that’s what I’m saying. If one person had five accidents and the other had none, their insurance for the same make and model and year would be the same. The clean driver would pay $45-$50 for their licence for the year and the bad driver would probably pay a couple hundred dollars. I don’t know how I can say it any different.

How can an insurance plan stay solvent when the worst that happens is someone's license goes up $50? Is it subsidized by the government?

 

[kimblebee]

So are there different insurance companies in Manitoba? Or just one big blanket coverage for everyone? It doesn't sound like there would be any need to shop around for the best insurance rates. I'm just trying to understand. It sounds very intriguing and not at all with what many of us are used to.

Just one insurance company, owned by the government. The only thing they take into account to insure a vehicle is make/model/ year and if you drive it for business or pleasure (I think pleasure means you only use it a few times a week, and not to get to/from work). Where you get dinged for accidents/tickets is on your actual drivers licence. It’s a sliding scale of points and the more points you have, the greater the discount for your licence.

I think the maximum discount is 20% so you end up paying $35 or $40 a year. My husband paid $40 for his licence last year and I’m guessing his will be $60-$70 this year. Every year you have a clean record, you move up the scale.

 

[kimblebee]

How can an insurance plan stay solvent when the worst that happens is someone's license goes up $50? Is it subsidized by the government?

I don’t know if it’s subsidized but I imagine it makes money the way any other insurance company makes money..They pay out less than they take in from good drivers?

 

[kimblebee]

I actually read that in your original post.

I thought you wanted opinions, but I guess not.

Of course I want opinions, that’s why I’m answering the questions. I’m not running and abandoning the thread..not my style.

I’m just arguing my point on why I feel the way I feel..pretty sure that’s not against the rules.

 

[Marchand63]

How is the insurance company going to prove that. DH & I have different insurance for our vehicles, he is not required to be listed on my insurance, and when DD turns 16, she can drive my car without being listed as well. Unless the laws change in the next 7 years.

Zay have their vays. No sit under this bright light

 

[moon]

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

If you won't talk to him again, you are not "letting it go".

 

[WebmasterMaryJo]

I get it that your brother-in-law gifted you the car, but kept the title and insurance in his name. If it had been me, I would have given the $1,000 to you since the agreement was that the car now belonged to you. He made a conscious decision to let you use the car with his name on the title, and that was his decision to carry the risk. So, I agree with you - and people do this all the time.

However, to truly let it go is to accept his decision that he is going to keep the money (I think that discussion should have been between the two brothers and not have involved you, regardless of the fact that the car was given to the both of you). I don't think this is the hill to die on that will affect your relationship with your in-laws. The person who will lose in all of this is your husband as he tries to maintain peace between you and his family, because I think sides will be taken, or potentially sides may be taken, and I wouldn't want to deal with that down the road. I think emotions are high right now because this is happening now, so please wait until you can react to the situation more calmly.

I agree with some of the others to take this as a lesson learned, and try not to let it affect your relationship (even understanding that your brother-in-law is not a person you respect or like).

Good luck.

 

[kimblebee]

If you won't talk to him again, you are not "letting it go".

I meant I’m letting it go by not talking to my bil or husband about it again. They are waiting to see when they go see the adjuster and I’m not going to ask about it. If they want to tel me what’s happening that’s fine, but I’m not bringing it up again.

 

[kimblebee]

I get it that your brother-in-law gifted you the car, but kept the title and insurance in his name. If it had been me, I would have given the $1,000 to you since the agreement was that the car now belonged to you. He made a conscious decision to let you use the car with his name on the title, and that was his decision to carry the risk. So, I agree with you - and people do this all the time.

However, to truly let it go is to accept his decision that he is going to keep the money (I think that discussion should have been between the two brothers and not have involved you, regardless of the fact that the car was given to the both of you). I don't think this is the hill to die on that will affect your relationship with your in-laws. The person who will lose in all of this is your husband as he tries to maintain peace between you and his family, because I think sides will be taken, or potentially sides may be taken, and I wouldn't want to deal with that down the road. I think emotions are high right now because this is happening now, so please wait until you can react to the situation more calmly.

I agree with some of the others to take this as a lesson learned, and try not to let it affect your relationship (even understanding that your brother-in-law is not a person you respect or like).

Good luck.

There is only the bil on my brothers side of the family. It’s a very long and complicated story that’s not mine to tell so I’ll just leave it at that.

I have tried for five years to be civil to him. He has done and said many nasty things to others about me and I always have just let it roll off my back for my husbands sake. I’ve always been the one to try and maintain civility.

My husband will be in the middle but I won’t make him feel guilty or make him choose a side or anything like that. If bil does come over (which is rare like I said) I’ll just find something to do in a different room or go out for a while). I’m not one to hold grudges or hate anyone so I’m sure over time I’ll talk to him again, it’s just not something I would choose to do now.

Maybe he’ll have a change of heart and decide we should get the payout if there is one..stranger things have happened lol

 

[sam_gordon]

If one person had five accidents and the other had none, their insurance for the same make and model and year would be the same. The clean driver would pay $45-$50 for their licence for the year and the bad driver would probably pay a couple hundred dollars. I don’t know how I can say it any different.

I'm just not sure that's accurate. I did some quick internet research (which means it must be true):

A car, whether right off the assembly line or new to you, can be one of the biggest investments you make. Insurers assess many factors – including your driving record – when calculating your premium. Your insurance rates are also determined, in part, by the type of car you drive.

Source

1. Your car
2. How often you drive
3. If you are driving for commercial purposes (not just commuting to your workplace)
4. Your driving record
Insurance companies use your driving record to determine how much of a risk you pose on the road. Generally, the better your record, the lower your insurance premiums will be.

Source

Driving record: The more tickets and At Fault claims you
have, the more likely you are to have claims in the future making you a higher
risk for an insurance company.

Source
So while the age/model of your car is a factor, so is your driving record (which would include accidents, tickets, etc). And I specifically looked for "how Canadian auto insurance premiums are calculated".

 

[mom2rtk]

I don’t know if it’s subsidized but I imagine it makes money the way any other insurance company makes money..They pay out less than they take in from good drivers?

Call me skeptical. Someone is paying up. Car repairs are expensive. If the only cost increase is $50 more for a license, someone is making up the difference. Insurance rates here can jump hundreds of dollars a year if you're at fault for an accident.

 

[sam_gordon]

Just one insurance company, owned by the government.

According to the internet, that's not totally true...

You must purchase your Canadian car insurance through a private auto insurer if insuring within the Northern territories. These territories include (but are not limited to): Yukon, Alberta, Ontario, New Brunswick, Newfoundland, Prince Edward Island, and Nova Scotia.

In British Columbia and Saskatchewan, you have the option to purchase car insurance via private insurer or a government agency. You will also have the option to add additional coverage to suit your needs.

In Quebec, the insurance procedure is similar to the above, with some notable exceptions. Here, Canadian car insurance is provided by both private insurers and the government agency, SAAQ (Société de l’assurance automobile du Québec. There is a mandatory coverage called Civil Liability, which can only be purchased through the private sector. The SAAQ provides residents of Quebec coverage for sustained bodily injury (when in an accident).

Source

 

[mom2rtk]

Just curious, are you required to carry collision coverage on cars? Most here with an old rust bucket would not be willing to pay what it costs for the possibility of a $1K payout if the car is totaled.

 

[Hikergirl]

OP, you said it wouldn't pass a safety inspection in order to transfer the title. Do you not have annual safety inspections on cars in Canada?
I'm not sure we do in all the States here, but we definitely do in some.

 

[ronandannette]

OP - at face value, I'd say the cheque should go to you so you can deal with getting a new vehicle. That's how it would be between trustworthy people of goodwill. Honestly, though - I'm a "rule follower" and so many things about your scenario left everybody vulnerable, not the least of which is you and your DH apparently not being on the same page as BIL.

IMO, your bil leaving a gifted car to you in his name under his insurance was a risky and foolish move for him. Was there ever a discussion or agreement prior to this of what happens if there is an accident?

How will your bil's rates be affected by your husband's at fault accident?

This is my instinct, and I wouldn't have done it in a million years, but that's here in Alberta where our insurance is free-market provided by private, for-profit carriers. Primary drivers must be named on each vehicle's policy and that's a big part of what determines the rates. Occasional drivers are allowed but the OP's example would not fall within the guidelines. Insurance carriers can and do carry out fraud investigations to protect their own interests and can and will deny coverage.

...Are you saying the OP doesn't have a clear understanding on how auto insurance works in Canada?...

She understands how no-fault insurance works in Manitoba, where a provincial crown corporation (not-for-profit) provides insurance to everyone. It's very different in other provinces (similar to what you have in the States) and @kimblebee likely doesn't have any experience with that.

 

[Tattylou]

Legally the car is his, but given the situation he should give you the money. Lesson learned not to be involved in this kind of a situation with a person you already knew was capable of behaving this way.

 

[sam_gordon]

She understands how no-fault insurance works in Manitoba, where a provincial crown corporation (not-for-profit) provides insurance to everyone. It's very different in other provinces (similar to what you have in the States) and @kimblebee likely doesn't have any experience with that.

Thanks. I did a quick look now that I know she's in Manitoba, and it looks like insurance premiums DO get paid AND driving record is one portion of the determining factor. Since I see there are multiple ways to pay (in full, 4 payments, or 12), I wonder if OP is getting something confused between DL renewal and insurance renewal. Do you need to renew your DL every year in Canada?

ETA: It looks like you can do DL renewal every 5 years. I'm guessing insurance renewal is like the states where it's every six months (or maybe it's a year).

FWIW, I got information for this post from https://www.mpi.mb.ca/en/Pages/default.aspx

 

[mom2rtk]

As for the point of the OP, regarding who should get the money.

Nobody here can answer that. We don't know what was in the BIL's heart when he "gave" you the car. The text might refer to it as a gift. But he might have intended the gift to be merely the use of the car, which is no small thing either. Even if it was just the use of the car, I would expect the current user to pay the gas, maintenance and insurance costs.

I'm still not convinced that BIL's insurance cars will not be impacted by the claim.

Are there annual property taxes paid on the car? If so, who pays those?

 

[brockash]

UGH

My husband rear ended someone last night and now our car is a write off. Thankfully, he’s ok, as well as the occupants of the other car.

We live in a province with no fault insurance. Meaning, we do not have to pay the other persons deductable to fix their car, we’d only have to pay to fix ours which won’t happen because the damage far exceeds the value of the car. I’ve said before that it’s held together by rust, and that’s not an exaggeration.

My bil (who I have long standing issues with) went to my husband and followed him as he drove the car home. Then, he came in while my husband called our insurance to report the accident. The car got towed to an impound lot where it will stay until later in the week when the adjuster takes a look at it.

I asked my bil point blank- who will get the money for the car after it’s written off. He said he would EVEN THOUGH he gave us the car as a wedding gift. I was soooo mad and voices were quickly raised.

I said we should get the money because A he gave us the car and B we are the ones who paid for new brakes, a new windshield, and a new fuel pump when they were needed. We’ve also being paying the insurance all that time, too.

The car is registered to bil because it wouldn’t pass a safety inspection to have the title transferred. So, when the cheque is written it will go to him. That’s his reasoning for keeping the money, legally it’s his car.

So, who do you think should get the money? It won’t be a lot, probably $1000 or so, so not a fortune, but enough to want it lol

Sorry for the novel..I’ll add more details if asked for them.

I mean, yes, you should get it, if it was yours as a gift, however this is just kinda the way it is when you don't do things the "right" way. You should have had it transferred in your name, but because you didn't/couldn't, it was never really yours...it was more like you were using his car.