(Closed) Hubby got into accident with our toddler….I’m VERY angry!

posted 8 years ago in Relationships
Post # 3
Member
81 posts
Worker bee
  • Wedding: April 2011

AAA does driving lessons. Maybe you could look into that for him.

Post # 4
Member
5977 posts
Bee Keeper

Send him to driving school? In all seriousness, you shouldn’t have your car on your parents’ insurance. It should be in your names and on your own insurance. It may be cheaper, but should your parents insurance company find out what you’re doing, it’s considered insurance fraud and they could lose their insurance completely. So, first order of business is to get your own insurance stat.

Post # 5
Member
11325 posts
Sugar Beekeeper
  • Wedding: February 2011

Ugh that would drive me CRAZY! I can relate a little bit because Fiance is slightly like that. Not with all driving luckily but with a few specific things he is sooo timid and it drives me nuts. I always try to explain to him: the safest way to drive is the NORMAL way because then your actions are predictable to those around you. When you’re sooooo overly cautious it is unexpected and is actually way more dangerous! Is there a reason that your Darling Husband is so overly cautious? Has he been in a lot of accidents or something?

Post # 6
Member
593 posts
Busy bee
  • Wedding: May 2010

I got annoyed just reading this so I don’t think you’re in the wrong to be frustrated. I personally believe it’s the timid drivers that are far more dangerous than the more aggressive drivers.

I’m not sure how you could help him be a better driver…it’s just supposed to happen naturally with time & experience on the road. How old is he? Has he had his license since he was sixteen?

Post # 8
Member
484 posts
Helper bee
  • Wedding: September 2011

Being a timid driver is just as bad as being a reckless driver because you piss other people off who then try and get around you etc. etc.  You definitely HAVE to get your stuff out of your parents name esp since this will fall back to him.  You are a grown married women and its time to take on your own responsibilities… huband and his faults… send him to driving school… Id be angry as well… luckily this wasnt a bad accident but you have achild in the car…. youre justified

Post # 9
Member
5977 posts
Bee Keeper

@MissFlipFlops: the insurance follows the car rather than the driver, so it’s ok when some other member of your family drives the car every once in a while, even when they aren’t covered under the policy. But, if he’s a main driver, that’s when things get messy.

Head out and get some quotes now. And if you went through some type of driving school, that could help to get you a discount on your insurance. Do you own your own house? If not, do you have tenants’ insurance? Again, if not, you should get some – having mulitple policies will also get you a discount on the insurances you hold. Plus, it will protect you should anything ever happen to your house/apartment. My younger brother moved into a brand new apartment complex and a pipe burst in his ceiling. All of his stuff was ruined, but he had tenants’ insurance, so he at least got compensated for it.

As for your husband, definitely see if you can get him some driving lessons. Being too timid is just as dangerous as being too aggressive.

Post # 10
Member
1995 posts
Buzzing bee
  • Wedding: June 2010

I would just make some calls and ask about your situations.  It’s free to ask!

Post # 12
Member
610 posts
Busy bee
  • Wedding: July 2011

This is a suggestion out of the norm, but has your husband been to an optometrist in the past few years?  My Fiance has problems with depth perception that makes him extremely cautious with driving, even with proper corrective lenses.  He won’t get onto the freeway because of it.  He just sticks to in-city roads, even if it takes him twice the time to get where he’s going.

Yeah, sometimes I get frustrated with driving everywhere, but the few occasions I have been I passenger reminds me why I do the driving when we go out Tongue out

Post # 13
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

@MissFlipFlops: umm, you definitely can not say that you were driving.  I’m an insurance agent and that is a huge no no.  The person that your hubby hit obv knows you weren’t there, so if you call your insurance co and say you were, then that is insurance fraud, They could not pay the claim, which would then come out of your pocket, drop your policy, and get you arrested for insurance fraud, I can guarantee that no co will want you if you have defrauded an insurance co

Post # 14
Member
1954 posts
Buzzing bee
  • Wedding: August 2014

@MissFlipFlops:

The insurance follows the car, but the accident follows the driver. That’s how people get “points” assigned to their name and how insurance companies determine insurance rates. 

I agree with what others have said about this being very very bad. If something else were to happen to your car, like it being stolen, and it wasn’t parked at the address listed on the insurance, the company could refuse to pay. You really need to get your own insurance, as soon as possible. 

As for your husband’s driving, cut him some slack. I don’t see any issues with what you have said with how he drives. I think you’re being too hard on him. Accidents happen, sometimes we’re at fault, but other times we’re not. I guarantee (from personal experience) that you being critical is NOT helping him. And seriously, if you never “let” him drive anywhere, he’s never going to get any practice. 

Post # 15
Member
2103 posts
Buzzing bee
  • Wedding: April 2011

It’s very generous of your parnets to continue paying your insurance, but it seems like once you’re married with children it’s probably time to start taking care of that yourself, especially with the added risk your husband poses.  Either that, or he should be buying his own car/insurance.  I don’t think it would hurt for him to take driving lessons. 

Post # 16
Member
388 posts
Helper bee
  • Wedding: May 2011

If he is already a timid driver, I don’t see how putting him down is going to help. I can only see it as making it worse and adding more pressure on him to drive the way you see fit. It also sounds like you put even more pressue on him by indicating that YOUR parents are paying for his mistakes. If he is getting a promotion, why don’t you suggest he buy a cheaper used car, and then get his own insurance?

I’ve been in far more accidents that FH. I don’t consider myself a bad driver, just unlucky. I’ve been hit at a stop light twice, rear-ended in a BURGER KING drive through, hit while going through an intersection when I had green, and hit by a driver who pulled out into my lane. It’s made me a much more cautious driver and luckily FH (who pays for our insurance) has never given me slack for it. If I had him on me all the time about how I was increasing our insurance rates, and how horrible a driver I was, I don’t see how that would help anything.

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