Rete

In our household with NYS DMV, we have three vehicles. I have a 2005 car, hubby has a motorcycle and a Isuzu truck.

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.




When will you and your wife be here, if you are not here already? Tax filing must be done by April 15 for the previous year so it is not all that long until a wait to apply for an ITIN.

BritGuyTN

maybe you were grandfathered in

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

fatbrit

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.

sangiano

We plan on arriving from Italy via the UK on about 1st February 2008. If memory serves me correctly, the normal US tax year runs Jan-Dec, so it will be a long time before our first tax return is filed.

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.

Big D

[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!

Norri

[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#

Big D

[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?

fatbrit

[QUOTE=Norri;5402168] My HOA had the cheek to ask for my SSN. I simply told 'em to eff off.

Big D

LOL - how mad!

ApplyDapply

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?

Sally

I think I applied for ITIN for myself and children (H4) in order to file tax return if that makes sense.

Sally

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.

Tracym

I'm afraid the insurance company thinks they have quite a proper policy - they make plenty of money off it.

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.

lapin_windstar

GEICO was actually one of the first (of not the first) companies to use credit scores in setting premiums, iirc.

tamms_1965

I am USC, hubby is UKC. I am primary insurance holder. He doesn't have his SSN either. I even have my 18-year-old daughter on my insurance, even though she lives with her father and the car she drives is in his name. Everything is legal and upfront also......my agent knows everything, no problem.
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I have State Farm....have had it for 15 years.