Auto Insurance / Credit History / Trailing Spouse question
#16
Re: Auto Insurance / Credit History / Trailing Spouse question
The DMV registration for the car is in my name only; the truck and bike are in his name only; the car loan is in my name only; his truck loan is in his name only; the bike is paid for.
We have one insurance policy with GEICO. Two names on the policy but the cars are listed as car 90% useage to me only; truck and bike 100% useage to hubby only.
We do not have titles to either financed vehicle but will receive it from the finance company after the loan is paid in full. The insurance lists the finance company for purposes of collison and comprehension as they are notified of damage to the vehicles and when repairs have been made since the vehicle is the collateral for the loan.
I also looked it up at http://www.irs.gov/businesses/small/...6,00.html#itin
I don't qualify under any exceptions, so the W-7 can only be submitted with a tax return.
I don't qualify under any exceptions, so the W-7 can only be submitted with a tax return.
Last edited by Rete; Oct 8th 2007 at 2:54 pm.
#17
Mr. Grumpy
Joined: Jun 2003
Location: Nashville, TN
Posts: 3,100
Re: Auto Insurance / Credit History / Trailing Spouse question
Strange I have had a GEICO policy since my first husband was employed in the government back in 1972. Have had the present policy with them now since 1976. Like I said until the last ten years, my credit rating was minus 0 as a single parent raising two girl without child support.
its was about 4 years ago I called them for a quote and they refused to quote me without me giving them my ssn. When asked the reason they said they need to pull my credit
i found farm bureau to be massively cheaper anyway and they treated me as though i had a long term blemishless us driving record
#18
Re: Auto Insurance / Credit History / Trailing Spouse question
If they arrive late December and don't even earn enough to require a tax return, think it'd be worth investigating filing one anyway (if possible) just to get the ITIN issued.
#19
Forum Regular
Thread Starter
Joined: Sep 2007
Posts: 140
Re: Auto Insurance / Credit History / Trailing Spouse question
We had hoped to be there in Oct 2007 but due to c0ck up / conspiracy it's all become a bit drawn out.
We're having an orientation / house-hunting trip in November, so I'll get a chance to see what I'm letting myself in for.
Then of course there's the visa interview to get through in London. Unfortunately, we can't do that until we're back in the UK for a while because we won't be able to get back to Italy until the Embassy returns our passports.
#20
BE Forum Addict
Joined: Oct 2004
Location: The Big Apple
Posts: 1,834
Re: Auto Insurance / Credit History / Trailing Spouse question
[QUOTE=Rete;5400889]I've never heard that in all my driving life (over 40 years now) and I've been the principal policyholder for most of those years with children on the policy and a credit rating that should have been buried and kept as a dark family secret.
Maybe thats why you pay $1200 a month though!
Maybe thats why you pay $1200 a month though!
#21
Re: Auto Insurance / Credit History / Trailing Spouse question
[QUOTE=Big D;5402127]
I've been checking out car insurance over the last week or so and every company has asked for my ssn#
I've never heard that in all my driving life (over 40 years now) and I've been the principal policyholder for most of those years with children on the policy and a credit rating that should have been buried and kept as a dark family secret.
Maybe thats why you pay $1200 a month though!
Maybe thats why you pay $1200 a month though!
#22
BE Forum Addict
Joined: Oct 2004
Location: The Big Apple
Posts: 1,834
Re: Auto Insurance / Credit History / Trailing Spouse question
[QUOTE=Norri;5402168]
They have always asked for it whenever I have had a quote. I always thought it was mad to look at your credit history for insurance as how does it affect the way you drive?
#25
Just Joined
Joined: Oct 2007
Posts: 14
Re: Auto Insurance / Credit History / Trailing Spouse question
Something that I found shocking, is that if you have been driving in the UK or other European country for some years, such history it is completely disregarded by USA car insurers and you are treated like a 16-year old driving for the first time.
The fact that you have come from a democratic, capitalist country with proper systems in place to record people's driving history, seems to count for zippo to the USA car insurers, who seem unable or disinterested in seeking that information and crediting you with good driving record if you have one.
And this is in a state with no alternative to car driving for transportation.
While still looking for a car, one large insurer (who quotes other insurers also) offered to insure me under a non-owners (aka binder/liability) policy (which is needed in order to get a driving license where I am) at the very kind price of $980 for 6-months. This is just liability insurance and wouldn't cover me for any damage to the car I was driving when I got one in the event of a collison. I was advised that if I wanted to add full coverage to my insurance, my premium could rise to around $2000 every 6 momnths, or $4000 per year to insure me. This is not a workable sum for me or I suspect most people.
I love it here but it seems bizarre that a country built on immigrants, doesn't have proper systems in place to handle new immigrants in such a vital area as car driving and car insurance. When I quizzed some insurance people, they were a little perplexed by my questioning and didn't really have real answers for me. Maybe they don't get many immgrants here?
The fact that you have come from a democratic, capitalist country with proper systems in place to record people's driving history, seems to count for zippo to the USA car insurers, who seem unable or disinterested in seeking that information and crediting you with good driving record if you have one.
And this is in a state with no alternative to car driving for transportation.
While still looking for a car, one large insurer (who quotes other insurers also) offered to insure me under a non-owners (aka binder/liability) policy (which is needed in order to get a driving license where I am) at the very kind price of $980 for 6-months. This is just liability insurance and wouldn't cover me for any damage to the car I was driving when I got one in the event of a collison. I was advised that if I wanted to add full coverage to my insurance, my premium could rise to around $2000 every 6 momnths, or $4000 per year to insure me. This is not a workable sum for me or I suspect most people.
I love it here but it seems bizarre that a country built on immigrants, doesn't have proper systems in place to handle new immigrants in such a vital area as car driving and car insurance. When I quizzed some insurance people, they were a little perplexed by my questioning and didn't really have real answers for me. Maybe they don't get many immgrants here?
Last edited by ApplyDapply; Oct 11th 2007 at 5:57 am. Reason: added some text
#26
Account Closed
Joined: Sep 2005
Posts: 15,455
Re: Auto Insurance / Credit History / Trailing Spouse question
I think I applied for ITIN for myself and children (H4) in order to file tax return if that makes sense.
#27
Account Closed
Joined: Sep 2005
Posts: 15,455
Re: Auto Insurance / Credit History / Trailing Spouse question
I love it here but it seems bizarre that a country built on immigrants, doesn't have proper systems in place to handle new immigrants in such a vital area as car driving and car insurance. When I quizzed some insurance people, they were a little perplexed by my questioning and didn't really have real answers for me. Maybe they don't get many immgrants here?
When I was here the first time I remember trying to show my kids' UK medical records to the school secretary who wouldn't accept them, when I asked why she snarled "You're in the State of California now." This seems to echo the general attitude that it has to be done by the rules.
#28
Lost in BE Cyberspace
Joined: Jan 2007
Location: NW Chicago suburbs
Posts: 11,253
Re: Auto Insurance / Credit History / Trailing Spouse question
Something that I found shocking, is that if you have been driving in the UK or other European country for some years, such history it is completely disregarded by USA car insurers and you are treated like a 16-year old driving for the first time.
The fact that you have come from a democratic, capitalist country with proper systems in place to record people's driving history, seems to count for zippo to the USA car insurers, who seem unable or disinterested in seeking that information and crediting you with good driving record if you have one.
And this is in a state with no alternative to car driving for transportation.
While still looking for a car, one large insurer (who quotes other insurers also) offered to insure me under a non-owners (aka binder/liability) policy (which is needed in order to get a driving license where I am) at the very kind price of $980 for 6-months. This is just liability insurance and wouldn't cover me for any damage to the car I was driving when I got one in the event of a collison. I was advised that if I wanted to add full coverage to my insurance, my premium could rise to around $2000 every 6 momnths, or $4000 per year to insure me. This is not a workable sum for me or I suspect most people.
I love it here but it seems bizarre that a country built on immigrants, doesn't have proper systems in place to handle new immigrants in such a vital area as car driving and car insurance. When I quizzed some insurance people, they were a little perplexed by my questioning and didn't really have real answers for me. Maybe they don't get many immgrants here?
The fact that you have come from a democratic, capitalist country with proper systems in place to record people's driving history, seems to count for zippo to the USA car insurers, who seem unable or disinterested in seeking that information and crediting you with good driving record if you have one.
And this is in a state with no alternative to car driving for transportation.
While still looking for a car, one large insurer (who quotes other insurers also) offered to insure me under a non-owners (aka binder/liability) policy (which is needed in order to get a driving license where I am) at the very kind price of $980 for 6-months. This is just liability insurance and wouldn't cover me for any damage to the car I was driving when I got one in the event of a collison. I was advised that if I wanted to add full coverage to my insurance, my premium could rise to around $2000 every 6 momnths, or $4000 per year to insure me. This is not a workable sum for me or I suspect most people.
I love it here but it seems bizarre that a country built on immigrants, doesn't have proper systems in place to handle new immigrants in such a vital area as car driving and car insurance. When I quizzed some insurance people, they were a little perplexed by my questioning and didn't really have real answers for me. Maybe they don't get many immgrants here?
I'm going to have to check again, but I have State Farm - and I thought I remembered them saying my fiance wouldn't get a high rate (on my policy) even though he didn't have any driving experience because he was above a certain age. But maybe I'm mistaken, I'll have to check again.
Actually, even the teenager I had on the policy didn't pay nearly the amounts you folks are talking about. She was primary driver on a car, and I think it was maybe 4-500 for 6 months.
#29
And YOU'RE paying for it!
Joined: May 2007
Location: kipper tie?
Posts: 2,328
Re: Auto Insurance / Credit History / Trailing Spouse question
#30
Re: Auto Insurance / Credit History / Trailing Spouse question
I've never heard that in all my driving life (over 40 years now) and I've been the principal policyholder for most of those years with children on the policy and a credit rating that should have been buried and kept as a dark family secret.
It will come up only if you are a one car household. If each member has a car then the owner of the car is considered the primary driver. We are asked when adding a new car who will be the principle driver.
Of course. You will qualify for discounts based on multi-cars, driving experience, age, accident and traffic violation history and most companies give a 5 to 10% discount for taking a defensive driving class once every three years.
It will come up only if you are a one car household. If each member has a car then the owner of the car is considered the primary driver. We are asked when adding a new car who will be the principle driver.
Of course. You will qualify for discounts based on multi-cars, driving experience, age, accident and traffic violation history and most companies give a 5 to 10% discount for taking a defensive driving class once every three years.
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I have State Farm....have had it for 15 years.
Last edited by tamms_1965; Oct 11th 2007 at 2:00 pm.