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Hope there are some auto insurance experts on this forum

nartac

Diamond Member
To make a long story short. I live in California. My mother-in-law is a big time spender without any money. She has lots of debts due to frivolous spending. She recently has given up a leased car of which she can't afford to buy. Her only option then was to take the bus to work. My wife and I felt sorry for her and decided to give her our 2000 Sienna and refinanced the van using our names so her mother can pay low monthly payment (she can't even get a loan for it that was the reason why we had to). The woman eats out quite often and buys restaurant food to bring home (she can cook but admits she is lazy to cook) while my wife and I try to save every penny that we earn. Again to make the story short. We decided to help her further by putting the van under our Automobile insurance policy so that it would be counted as multiple car discount. It was agreed that she would pay her portion biannually. For the last year, I haven't seen one cent from her despite we present her the bill weeks prior to the due date. I wanted to confront her but my wife won't let me. This year my mother-in-law moved from our house and is living with her second daughter. The van still remains under our name. My question is: is it possible for my wife's mother to purchase auto insurance to cover for the van despite the loan is under our name? (oh yes, she never pays for DMV registration of the van neither. We do) I was told since the loan to the van and the registration are under our names, we have to provide insurance under our names as well.

Sorry, I'm not being ungrateful to my mother-in-law but I'm just fed up with her taking advantage of us while we don't even spend frivolously on toys for our 3 young children.
 
...is it possible for my wife's mother to purchase auto insurance to cover for the van despite the loan is under our name?

No idea, but I'm flabbergasted! I love my MIL to death, and would probably do the same as you, BUT only because she's very giving, appreciative and NOT a spend thrift like your MIL. Does your wife not feel used? WTF? I'd like to know where she stands in this, but it sounds like she's willing to enable her mother till you're all in the poor house!
 
If the van is registered in your name, then you need to provide the insurance.

you could title the van in her name with you as the lein holder, then she would have to pay registration/insurance
 
Originally posted by: Ornery
...is it possible for my wife's mother to purchase auto insurance to cover for the van despite the loan is under our name?

No idea, but I'm flabbergasted! I love my MIL to death, and would probably do the same as you, BUT only because she's very giving, appreciative and NOT a spend thrift like your MIL. Does your wife not feel used? WTF? I'd like to know where she stands in this, but it sounds like she's willing to enable her mother till you're all in the poor house!


my wife knows her mother has spending problem. She even admits it's her mother's addiction "similar to a gambler" in her own words but she also said her mother took care of all 3 of them without her father around since they were young so she is repaying her mother back. I respect her mom in every way but she just have a spending problem of which affect my wife and in turn affects my family because we have to bail her mother out of financial trouble from time to time.
 
Originally posted by: nartac

Sorry, I'm not being ungrateful to my mother-in-law but I'm just fed up with her taking advantage of us while we don't even spend frivolously on toys for our 3 young children.

How are you the one being ungrateful? Your MIL is pathetic.
 
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