Would you pay this bill?

[twinklebug]

DH took off leaving us with minimal funds, certainly less than what the bills require. The insurance on the 2 cars are due TODAY. This will eat up all remaining funds... I obviously must pay insurance on my car, but what about his? They're combined on the same bill.

 

[phillybeth]

YOu need to pay that bill in full, otherwise your insurance would lapse. However, I would contact your agent and/or insurance company to get your estranged husband's car removed from the policy since he no longer lives at your residence.

 

[Bob Slydell]

Took off as in divorced you?

Call the insurance company and remove his car from the policy. If you don't pay for the other car, you risk losing your insurance coverage on both cars, including yours.

 

[chell]

Call the insurance company ASAP to have his car placed on his own separate policy and make the payment only on yours.

 

[Cindy's Mom]

call your agent.....perhaps you have a 30 day grace period that will give you some time to get your head together. Go over your coverage w/ your agent, perhaps you can lower some coverage and raise the deductibles to better fit your budget. Also, make sure you remove his car.

 

[jcsbama]

You're saying your DH deserted you and the family? I would pay it only if your name is also on his car note. If the insurance is cancelled due to nonpayment, and the vehicle is not paid off yet, the creditor will demand payment in full of the remaining note. You don't want to damage your credit by getting back at him.

 

[mrsv98]

My only concern about the insurance is if the other car is in your name also. I wonder what the liability issues would be then. Definitely call your agent, he/she should be able to tell you what you need to do. At the very minimum, you need to pay the insurance on your car.

 

[lynxstch]

you may be able to pay less than is required..we can make a 50% now, 50% later payment on ours if the situation requires it..good luck and god bless you and your kids!

 

[twinklebug]

Took off as in divorced you?

Call the insurance company and remove his car from the policy. If you don't pay for the other car, you risk losing your insurance coverage on both cars, including yours.

No - took off as in - flew the coop. No contact since Friday, but he's still checking his emails as I've messaged him with a hit counter on an included pic (it goes up by one when opened) so he's alive.

I will pay the full bill as I can't risk loosing insurance ... THAT would be illegal and awful if anything happened. 209 gone.

Calling insurance company... I'm thinking I might need a court seperation to do this though. I'm so afraid to talk with a lawyer.

 

[twinklebug]

My only concern about the insurance is if the other car is in your name also. I wonder what the liability issues would be then. Definitely call your agent, he/she should be able to tell you what you need to do. At the very minimum, you need to pay the insurance on your car.

The car he took off with is in his name only. The car I have (a 1993 ) is in my name only. The policies were combined on one bill to get a multi-car discount.

 

[Disney Ella]

Twinklebug, I have no insurance advice, but just wanted to say I'm sorry you're going through this.

 

[horseshowmom]

The car he took off with is in his name only. The car I have (a 1993 ) is in my name only. The policies were combined on one bill to get a multi-car discount.

Honestly, I'd email him (since you said that he is checking emails) and tell him that the bill had come. I would tell him that you need the money to cover his car (because you don't have the money for it), or that you're going to have the insurance change the policy to only cover your car (assuming your name also isn't on a loan connected with the car he's driving).

 

[canwegosoon]

I would pay it ...as long as 1) you are legally married(or common law), 2) you have joint accounts or titles. Not only do you have to worry about your car and any accident...but while you are married he can't go plowing into a tree either. I believe you can still be legally held accountable. But don't quote me...ask your insurance rep and lawyer.

 

[DisneyAddict_M]

When I got divorced, I needed to fax the insurance a company a copy of my divorce decree. They wouldn't just take my word for it.

Good luck!

 

[mudnuri]

I would have to gather, you cant just drop his insurance without his permission- as your married.

Just because he "flew the coop" doesnt mean you have the right to cancel his insurance, regardless of whose name is on what. Your married, his car is 50% yours, and your car is 50% his (in this state anyway)...

I could imagine how people would be jumping down a man's throat if he left and cancelled the insurance on his wife.

What I would do is call the insurance company and see about SEPERATING the policy into two policies. More than likely they will need his permission to do so, but its better than just not paying his.

Brandy

 

[cepmom]

yikes, I'm sorry. I would definitely put a call into the insurance agent to see if they can separate the cars on to individual policies so you won't be responsible for his car. I can't beleive he just left without saying anything....I don't mean to sound harsh, but does he have a history of mental issues?

 

[Crankyshank]

This situation is a bit odd to me. Do you know where he is? All you have to go on that he's alive is a + on a hit counter? I'd be calling the police to file a missing persons report.
If my husband took off without a word and with my money, I'd be a bit more concerned than whether or not to pay his insurance to be honest with you. Normal sane people don't do stuff like that.

 

[Marie17]

Pay the bill. If you are married and he does something a little screwy with the car - you can be liable even if your name is not on the car because any joint accounts or house can be a target. Nothing like losing all your assets too.

 

[Deb in IA]

The car he took off with is in his name only. The car I have (a 1993 ) is in my name only. The policies were combined on one bill to get a multi-car discount.

Then get his car off the insurance policy and pay for your car only.
By the way, if your car is a 1993, you should also look closely at your coverage. If you still have comprehensive, you should definitely change that to liability and injury. You don't want to pay for replacement value of the car, since the car is probably not worth very much anymore.

 

[ZachnElli]

First, I'm so sorry you are going through this. Second, my brother is going through a divorce and living with us. His wife separated their insurance and his individual policy is almost double without the multi-car discount. You might be ok if you have other insurance with the same company like homeowners. Just letting you know.