Ex-husband Accident from 4 years ago

by Tanya
(Ontario, Canada)

I recently missed 2 payments on my insurance and when i called to make arrangements to catch up the payments. i was told they wouldn't reinstate me but i could reapply, when they started that, i was told that i had an at fault accident from 2007, i told her that i didn't and when i finally got the correct info from her 2 days later, it turns out that my ex-husband had an accident of which i did not know about. She told me that because he doesn't have current car insurance that they had to put it under my name?? is this true? why would his accident be under my name? she also told me that my premiums would almost triple!! please help with a solution to this. i've been driving for 23 years. also, why would my premiums only go up now, 4 years later?


Increased Rates Due to Ex-Husbands Accident 4 Years Ago


Hi Tanya,
This is a confusing situation for sure. Some parts don't make total sense so I'll have to make my best guess to answer ....

I am assuming that your husband was on your policy 4 years ago when the accident happened? I am also assuming that the policy had accident forgiveness so the claim was processed without raising your rates. So when your old policy was canceled due to non-payment, you lost the accident forgiveness. Accident Forgiveness doesn't carry over from one policy to another.

There are two options to pursue here, the first is to shop around aggressively:

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The second is to ask for a supervisor/manager at your insurance company. Explain that you and your husband are split up and hope they can do something.

Hope that helps a little.

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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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