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lilly | Car insurance can be annoying.? |
heres the situation...
my boyfriend and i recently broken up.we are having our first child together,im 20 hes 23.we both decided to go in an get a new car for me,but since his credit was a lil better then i.his name was first as in the car belonged to him,and i became cosigner.i make the car payments,and pay half insurance.his responsibility was to pay for the other half insurance,and now that were not together,hes not willing to pay.well at first he said he wasnt willing to.now he is.BUT...am i able to refinance the car and put it in my name,and insurance.i dont want him to think he can pay when he wants or not,becuse were not together anymore.so im trying to find ways,so that car is mine,and he has no way of taking it or what not.i need it not just for me,but for our child.any advice? |
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Tori
 |
WOW!
This isn't exactly about car insurance. It's a matter of child support.
Google or search "Child support calculator" and find (by his income) what he actually owes you monthly for being the mother of his child!
All expenses you incurr (house, car, food) are now a shared expense with your/his child... so he owes you child support EVERY month for 18 years.
Hopefully you can get it out of him...
GOOD LUCK... email me if you need advice! |
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Zarnev
|
It sounds like you have more to be annoyed about than car insurance.
You can refinance in your name only if he is willing to release it to you. If it's financed in his name it's also titled in his name and he'd have to sign the title over to you.
This car is now considered a used car. Finance companies will have higher rates and tougher loan to value guidelines for used cars so you may have a hard time finding a company willing to refinance. |
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Soozie Q
|
Yes, you could get the car, but it would be a lot of hassle and red tape, it may just be easier to go buy a new car that is completely in your name. Do you have a parent or a sibling that would co-sign with you? This helps the percentage rate of the loan considerably. If you do this, you will still have to get your name as co-signer off of the car thats in your boyfriend's name. He could end up being a huge jerk about it and quit paying for it altogether and then guess who your creditor is going to come after? That's right, the co-signer! If you haven't been already, PLEASE keep records of either bank statements, cancelled checks, and receipts that prove you are paying your part. This could end up in small claims court and he could say that he has paid every penny on it and you've never paid a dime. And without proof, it's just your word against his. That is definitely what I'd do, just get another car, and get your name off of the one in his name, especially if the car you have is a newer, nice car. Even with worse credit, you could buy a little older model that's got higher mileage and you might even end up saving money.
The funny part is, he can be a jerk and refuse to pay half of the car payment and insurance, but once that baby gets here, it doesn't matter if he's unwilling to pay! If he won't help the mother of his child have a car, I imagine he isn't going to care much for paying child support! Man, karma is such a b^t#h! |
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Baby #2 due 2/20/09!!
|
You could absolutely try to refinance, but remember, like others said, your credit may prevent you from going through with it. Your interest rate may also be higher, therefore raising your payment. And, your BF will have to sign the title and the old loan papers.
If his name is on the title, he will always have a right to the car. But, as far as the insurance, you can get a policy in your name alone, and just have him listed as co-owner of the car. If you have a claim, the check will be made out to both of you, but he legally won't be able to call and change the policy or cancel it.
BTW, the question is more of a financing question, not really insurance, but make sure after you have the baby to tell your agent! If you are with State Farm, they will rate you as an adult, not a 20 year old, and your rates will drop! |
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Julie B
 |
Try using http://My-InsuranceSearch.com to compare car insurance rates for all the major providers in your area. |
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lepr0kan
 |
Sure you can refinance into your own name as long as you are already a co-owner on the title. Although if your credit isn't great the interest and monthly payment may be higher |
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mbrcatz
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If you recently broke up, I hope this is your LAST child together, also.
I think you're confusing your terms. The cosigner is the person with better credit. So maybe you're a co owner??
Who's name is on the loan? Who's name is on the title? Who's name is on the insurance?
Can you refinance the car? You'll have to talk to a few banks, and the current lender. Odds are, if you weren't able to finance the car in the first place, you won't be able to finance it now.
News flash - he can pay when he wants to or not, because you aren't together any more. That car isn't yours, unless your name is on the title. Period.
My advice: never, ever, ever go into any kind of shared ownership or financial deal with someone you're not married to.
Likely he's not going to pay, and this car is going to get repo'd. I'm guessing it's his loan, and his name on the title. Which makes it his car. And if that's the case, when you pay it off, it's STILL his car, and he can sell it out from under you. And if the title has BOTH your names, you STILL can't sell it, without his permission and signature. |
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