What a frustrating situation.....
Yes, it really is...
You really need to look at the policy and figure out what type of insurance you have. You/your mother could be totally screwed six ways from Sunday if your stepfather causes an accident and bodily harm to another person(s).
If your mother only has the very basics of insurance on the vehicle it may be all that's necessary for the state but you'll be up a creek without a paddle if something catastrophic happens, and if your stepfather drives as badly as you say, it's not IF something happens but WHEN.
I carry an enormous policy on my truck, but it stood me in good stead when I totaled my vehicle back in February. The accident was my fault, and my insurance covered not only my vehicle, but the hospitalization of the other driver, gave her book value on her vehicle, paid for towing on both vehicles, as well as rental vehicles for both of us until we found other ones to purchase.
Had I not had all of that on my policy, the other driver could (and probably should) have sued me for damages.
Sure, I went over 38 years without having an accident that was my fault, but I'd rather pay for a major insurance policy and have the coverage should I need it, than HOPE nothing bad ever happens.
Yes, I know I need to. I have the insurance cards... would I be able to just call them, explain that my mom owns the car, but I drive it, and would they give me the insurance information as far as what is covered and all? Or would I need my mom's permission since the insurance is in her name?
Originally Posted by DancingArabian View Post
Is there anyplace safe but hidden where you could safely store a container of gas or two? Fill a container instead of the car and hide the rest.
He sounds like a real winner.
Posted via Mobile Device
Yeah, I used to really like him, but over the past few years, I've gotten to where I really don't want to even be around him...
Have you politely sat down with your mother and shared your concerns? Moms can be tricky. You SHOULD be able to go up and tell your mom anything. She SHOULD be willing to help her child. But she is a woman, still and might deny fervently that there is no fault at all with her man and might get defensive. My mom is type A so I don't know how to deal with type B, but I would still try. "hey mom, could I talk to you about a few things that are bothering me?"
Posted via Mobile Device
No, I haven't, because my mother and I con't really talk that much. We're more like sisters, not mother and daughter, and she gets annoyed really easily, and when she gets annoyed, there's no talking to her. The last time I tried to talk to her about something serious, she got all defensive and mad and ended up screaming at me about how it wasn't her problem and all. That was back when I was still in middle school. I haven't approached her about anything serious since...
As a couple he and your Mom may view their property as joint and therefore he is also paying for said vehicle.
My hubby and I have 3 vehicles and none are "his", "hers" or whatever except the truck which as a joke is referred to as mine. Even when I was a stay-home mom and unemployed, the $$ wasn't "his", it was "ours" and if you were to drive up and ask about *my* horse, he'd refer to him as "ours" even though he doesn't even like horses really.
I know they don't view their property as joint. He's put my mom through too much bull for that, and just a few weeks ago, she was talking about filing for divorce, but decided against it. Their car is in her name, not his. The house is hers, in her name, not his. My stepfather has nothing in his name at all, except for his fishing poles and lures. He isn't working right now and doesn't pay anything on the house payments or any car payments, bills, etc...