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

[kaytieeldr]

In the eyes of the law, yes, it’s his car

His car, his check.

Granted, we were under the assumption that the car was ours.

Mistake

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)

Not what business/pleasure means. Might be helpful to read up on the Manitoba Insurance Laws.

There is only the bil on my brothers side of the family

Husband's, not brother's, side?

I’m not one to hold grudges

Much of what's been posted here belies that.

My province is to listed here so this is all moot.

sam_gordon linked the official Manitoba insurance site. Stands to reason everything on that site applies.

his is not true for other provinces. So what you researched may not be accurate.

sam_gordon linked the official Manitoba insurance site. Stands to reason everything on that site applies.

Darn, no way for force his hand then.

Have you asked him for a wedding gift then?

The BBQ. And, weak attempts at humor aside, it's rude to ask for a (first, second, or as here third) wedding gift.

egardless of who gets the check, I think it would behoove us all to know Manitoba law, from a better source than a random online search

Official, not random, site: https://www.mpi.mb.ca/en/Pages/default.aspx

 

[mummabear]

That said, $1000 is not enough money to argue with family over.

I disagree. $50 may be enough. It’s not really the amount, it’s the action taken by someone.
I your BIL stole some jewellery from your house-but they were only $100 would you be fine with just not arguing because it is only $100?

 

[mummabear]

The BBQ. And, weak attempts at humor aside, it's rude to ask for a (first, second, or as here third) wedding gift

Do it know what else is rude? (Besides your week attempt at an insult) taking back a gift.

 

[cruiser21]

I personally wouldn't start family drama over a thousand bucks. Not worth the headache.

 

[ShirikiUtundu]

I disagree. $50 may be enough. It’s not really the amount, it’s the action taken by someone.
I your BIL stole some jewellery from your house-but they were only $100 would you be fine with just not arguing because it is only $100?

Apples and oranges.
Lawfully the car and therefore the money belongs to the brother in law.
That, and the fact that it's only supposedly $1000 (never confirmed) makes it not worth the argument.

 

[CdnCarrie]

The provential part is because of the following quote.

I meant it in a way does Manitoba, the province, require, etc

OP mentioned: "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 now I'm confused as you said you don't have titles on cars that you are aware of but the OP said the vehicle wouldn't pass safety inspect to have the title transferred.


Correct. And your second statement is what clarifying point I was looking for.

So in other words this entire thread should have been put on the Canadian Trip Planning & Community Board (I know it's mostly Disney trip planning but it did list Community Board) OR the title read Only Canadians respond in order to ensure Americans do not comment on it.

Clearly, and I don't mean this with ill intent, having many U.S. posters on here we are unable to fully understand and thus provide an informed opinion on the matter since insurance was brought up. This is very evident given your attempt to clarify, the OPs intent to clarify, and other poster's attempts to even understand.

If the question was "a vehicle, still titled under my brother-in-law because the vehicle would be unable to pass inspections in order to be transferred to my husband and I, and given by my brother-in-law is now beyond repair due to an accident should my brother-in-law give me the money he will get out of it because we paid for the incidentals (insurance, repairs, maintainence, gas, etc) for the 3 years that we have been driving on it?" The conversation may have been a tad different (though who knows with how tangents go)

In reality the OPs issue lies nothing with insurance or the rules regarding Manitoba's insurance, etc but rather an ethical question of who should get the money or not based on feeling as if the money is owed to them--IMO it's much more of an individual/family situation than anything since the OP already knows the check will be made out to the brother-in-law and thus any money the OP would get would have to be at the willingness of the brother-in-law. That's the point of the OP's post not all the other frills. However, other things did get brought up and people responded.

The word would be provincial. Never heard the word provential before. I don't think it's a real word. But yes what we are talking about is a provincial program.
Sure it could have been on the Canadian board but most of the country has private insurance similar to the US market so they wouldn't necessarily understand it all either.

And yes doesn't sound like the car is worth 10 pages of discussion.

 

[Mackenzie Click-Mickelson]

The word would be provincial. Never heard the word provential before. I don't think it's a real word. But yes what we are talking about is a provincial program.

You're right that was my error. I knew what I was saying but it didn't come out correctly.

And yes doesn't sound like the car is worth 10 pages of discussion.

Certaintly not about insurance stuff given that in the end that has no bearing on it. Now in-law relations, gift giving etiquette, etc could make for a many page discussion on the community board lol.

 

[mummabear]

Apples and oranges.
Lawfully the car and therefore the money belongs to the brother in law.
That, and the fact that it's only supposedly $1000 (never confirmed) makes it not worth the argument.

Well sometimes there is a difference between what is legal and what is right. This is such a case.
If I felt someone had ripped me off of $1000 there would be no way they would be welcome in my house again.

 

[ronandannette]

Haven't read all replies but this is so much a Judge Judy or Judge Milian-People's Court case. BIL has taken the risk since title and insurance was in his name, BIL is still the owner of the car since no title change, basically FREE USE of the car as there was no rental or lease payment every month, BIL gets the check.

Slam dunk in favour of the BIL and both judges would probably rake the OP over the coals. But let's remember - she herself has acknowledged the legality of the situation and that the cheque will absolutely go to the BIL. The whole thread was an enquiry about whether or not he "should" volunteer the money back to them. There's clearly quite a bit of water under the bridge between the parties but if you really think about it, if any of us were in a similar situation (which I KNOW WE WOULDN'T BE - everybody's been pretty clear on that point), we might feel similar to the OP, especially if we were sure the car had been given to us as a permanent gift.

Just for conversation's sake - here's another "loophole" that is very often exploited by people from provinces with government-issued vehicle insurance. (For example, British Columbia and Saskatchewan, provinces on either side of Alberta both have socialized insurance like Manitoba.) When they move to Alberta where we have a free-market system and insurance is purchased from "regular" carriers like you do in the States, the rates can be double or even triple since they are based on a whole bunch of things. People will neglect to cancel their government insurance and do a change of address; just keep paying their premiums and getting their updated registration stickers every year. If an accident occurs under those circumstances and the government carrier finds out the vehicle is not being driven by a legal resident of that province, they deny coverage, leaving the victim (in our at-fault system) without recourse other than suing the driver. I've heard of this happening time and time again.

 

[CdnCarrie]

↑
his is not true for other provinces. So what you researched may not be accurate.
sam_gordon linked the official Manitoba insurance site. Stands to reason everything on that site applies.

Official, not random, site: https://www.mpi.mb.ca/en/Pages/default.aspx

Where you quoted me I was saying it may not be true for other PROVINCES as they have a private insurance market.
So if you link to a Ohio government page it stands to reason the everything applies to North Dakota?

 

[DisneyOma]

I read the original post, and some of the responses. It got so back and forth nitpicky that I kind of gave up. But I'm on a side - the side of the guy that got rear-ended! If you do get any money, you should give it to him for his deductible, even with your 'no-fault' stupid insurance, because it was definitely your husband's fault.

 

[tarheelmjfan]

They're arguing with the OP because she was generously given the use of a car for three years and she is trying to portray herself as the poor victim while making her BIL look like the bad guy in this situation.All she's doing is making herself look ungrateful with each post. They didn't have the resources to buy a car, so BIL offered the use of an extra one he had. I fail to see how that makes him some kind of evil jerk.They've had three years of no car payments so should be well set on saving towards the purchase of a new one.

I didn't even voice an opinion on who should get the money. My comment addressed all the people who kept telling the OP she was wrong about how her insurance worked, because that's not how insurance works in the US & other parts of Canada. Even after being told the OP was correct by two other people who live in Manitoba, people were still arguing that it doesn't make sense & they don't believe that is right. What doesn't make sense is people arguing about laws they know nothing about. Some people have followed the thread all the way through & are still questioning how accurate the OPs account on insurance is, even though they've been told several times that Manitoba insurance doesn't work the way US & other Canadian Provinces' insurance does. How can people not realize that different places have different laws & just accept they don't understand Manitoba laws?

 

[tarheelmjfan]

His car, his check.

Mistake


Not what business/pleasure means. Might be helpful to read up on the Manitoba Insurance Laws.

Husband's, not brother's, side?

Much of what's been posted here belies that.

sam_gordon linked the official Manitoba insurance site. Stands to reason everything on that site applies.

sam_gordon linked the official Manitoba insurance site. Stands to reason everything on that site applies.

The BBQ. And, weak attempts at humor aside, it's rude to ask for a (first, second, or as here third) wedding gift.


Official, not random, site: https://www.mpi.mb.ca/en/Pages/default.aspx

Do you live in Manitoba? If not, I'll trust those who actually purchase insurance in Manitoba know more about their laws. Regardless, why are so many people determined to prove those who live in Manitoba don't know as much about their car insurance as an American with a keyboard does? I just don't get it.

 

[jevs]

Does anyone want to hear about Australian insurance?

 

[CdnCarrie]

Does anyone want to hear about Australian insurance?

Are you socialist or private? LOL....

 

[kaytieeldr]

Where you quoted me I was saying it may not be true for other PROVINCES as they have a private insurance market.
So if you link to a Ohio government page it stands to reason the everything applies to North Dakota?

Not at all. Because the OP lives in Manitoba (unless somebody provided misinformation) it stand to reason that the Manitoba Insurance web site provides the appropriate and accurate information.

 

[kaytieeldr]

Do you live in Manitoba? If not, I'll trust those who actually purchase insurance in Manitoba know more about their laws. Regardless, why are so many people determined to prove those who live in Manitoba don't know as much about their car insurance as an American with a keyboard does? I just don't get it.

I'll trust the official website https://www.mpi.mb.ca/en/Reg-and-Ins/Insurance/Rates/Use/Pages/rf_vehicle_uses.aspx

 

[kaytieeldr]

Does anyone want to hear about Australian insurance?

No. We want to hear whose side you're on. Australian insurance will have to wait until you have a dilemma.

 

[CdnCarrie]

Not at all. Because the OP lives in Manitoba (unless somebody provided misinformation) it stand to reason that the Manitoba Insurance web site provides the appropriate and accurate information.

As do I. You misunderstood my point. But whatever.

 

[tarheelmjfan]

I'll trust the official website https://www.mpi.mb.ca/en/Reg-and-Ins/Insurance/Rates/Use/Pages/rf_vehicle_uses.aspx

Maybe, you're right. I have no idea. I won't be reading the link or obsessing over trying to prove a total stranger wrong. I just don't understand why anyone would care so much about a random stranger's insurance that they would go through so much trouble to prove them wrong. If you feel it's something you need to do, more power to you.