Co Op Car Insurance

My nephew is a named driver on his stepdads insurance policy, he is changing his car and has found a better quote elswhere, the problem is that he has earnt 1 years no claims with them but the co-op claims that they wont pass on his no claims to a new insurance company as it is exclusive to the co-op and he will have to stay with them to make his no claims bonus count, can they do this?

sorry but he can't get a no claim bonus as a named driver. He can't even claim he's ever been insured, strange but true.

2009-02-28 06:21:38 by STEPHEN G

the cars a complet write off i was mint and it had high miles 114000

8 year old Astra Club with 114k on the clock - take the excess out and you will be lucky to get enough to buy a 10 year old astra with 150k on the clock.

2009-09-03 12:35:07 by Fredderick

A) What is the difference between a for profit insurance program and a consumer co-op insurance program?

B) Why can states require car insurance for drivers, flood insurance or fire insurance for home owners, unemployment insurance or workers comp from businesses and employees... But not require health insurance?

no, i cannot answer these questions, sorry.

health insurance in germany is one of the best in the world, the states should look there and take it as an example.

2008-12-31 10:29:20 by juan70ahr

Have I been overpaying my taxes? How will I make sure that I don't continue to overpay next year. I also work from home and recieve no expenses from my medical device company that I work for. I pay for everything from car, gas, insurance etc out of pocket.
My income will increase this year to 95k and I am single and own a co-op for the past 4 years. What type of taxes will I expect to be taken out if only $4500 of my monthly income is considered salary and the rest is bonus? Keep in mind I only get paid once a month.

I don't know because I am not sure of what local taxes are in NYC and what the state taxes are in NY.

In terms of the federal tax, at $55,000, you deduct $8,750 and that leaves you with $46,250. Anything over $31,850 is in the 25% tax bracket thus you will pay $3,600 in the 25% tax bracket, $3,600 in the 15% tax bracket, $785 in the 10% tax bracket, and $4,207.50 in Social Security/Medicare Taxes, thus you will pay about $12,175 in taxes. It seems like you are paying your fair share of taxes. I'd claim two exemptions to take what you are entitled.

2008-01-20 17:28:52 by Suzie & Bob G

I had a friend who got arrested for "no proof of insurance" and "driving without a license" (he is 31). He went to jail because of those things and a prior warrant for arrest for a previous "driving without proof of insurance" almost 3 years ago.

He had the money to bail himself out but needed someone to vouch for him obviously. I was ill informed by the bail bond company on just how responsible I was for him completing all of his responsibilities - but that's why they always say "don't sign without reading" -

So he shows up to both court dates, he starts to pay fines and then the judge requests him to keep coming in every so many months to follow up. He never returned again. He fled to California. (this all started in Nevada)

Meanwhile he kept telling me that everything was in order - basically lying to me that he had been following up on all of this and was in good standing. (I got a new phone as a present from my parents and obviously a new number. The Bail Bonds company weren't able to call me but sure enough....

A few months later my car was repossessed. I found out and tried to get in contact with this guy who fled. He kept telling me he would get it taken care of. A week later nothing.

They took my car on May 8th. I have been without a car since - and unemployed because it just so happened that my car was taken right after I was laid off from my job. Because of the timing I also had to quit my classes at college because I had no one to give me a ride, nor the money for a cab, and the bus schedule won't allow me to get to class on time so I missed all my finals. I am having a horrid time finding a job and even if I do, I fear my wages would be garnished to pay off the bail bond.

So now I cannot get my car back until he either shows up and goes to jail, pays off the bail amount that is owed to the bail bonds company or I do. Since I have no job and own nothing else... I can't pay it off myself. My car is not worth anything since it's just an old 1999 Neon... barely worth 800 bucks.

I even got in touch with his new wife in California and tried to urge her of this importance. She is unwilling to cooperate and neither is he. So...

My question obviously is... Can I file a Civil Lawsuit against him for punitive/compensatory damages, emotional distress... etc?

my feeling is that you are a co-obligor because you signed for him. That makes you jointly and severably liable for the amount due. They can go after either of you for the amount and of course, since you are local it is much easier to go against you.

You can file a suit for actual damages you have recieced. File it in Nevada, that way he will have to travel there to answer to your claim. If he travels there, you can let the bailiff know he has a warrant and he get picked up on the spot. If he does not show up then you automatically win in the civil suit because he didnt show.

UPDATE: I just spoke with a friend that was a state attorney for several years and he believes that I am correct.

2009-06-04 04:24:15 by xapryl