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07-26-2017, 12:22 AM
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Join Date: Mar 2013
Location: Camrose county
Posts: 3,492
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Yes or no
I have a step daughter visiting and she has a problem with alcohol,my wife wants to give her the use of one of our vehicles,which is against my wishes because of the consequences that may arise,accidents and insurance,she has had 2 accidents in several years and a DUI,what would be your approach?Thanks
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If people concentrated on the really important things in life,there would be a shortage of fishing poles.Doug larson. Theres a fine line between fishing and just standing on the shore like an idiot. Steven Wright.
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07-26-2017, 12:36 AM
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Join Date: Sep 2014
Location: McBride/Prince George
Posts: 14,582
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Quote:
Originally Posted by Fish along
my wife wants to give her the use of one of our vehicles,
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Are you expecting friction if you protest what the wife wants? Weigh out the pros and cons of you resisting her wishes, then decide.
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07-26-2017, 12:41 AM
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Join Date: Oct 2010
Location: central Alberta
Posts: 12,629
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The best thing to do IMO is to call your insurance agent and see what it would take to put her on your insurance as occasional driver. If the girl can afford the 500 a month or more, let her pay for it. Your insurer may advise against insuring such a driver too.
Had sort of a situation where my elderly mother was letting her 85 year old friend/neighbor drive her car. I learned that if he had an accident she could have lost everything unless he was down as an occasional driver. My concern was he was quite deaf and had poor eyesight which is just as bad as an impaired driver. He no longer drives my mothers car.
The key is for everyone to put emotions aside and look at the situation objectively and logically. Estates can be lost.
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This country was started by voyagers whose young lives were swept away by the currents of the rivers for ten cents a day... just for the vanity of the European's beaver hats. ~ Red Bullets
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It is when you walk alone in nature that you discover your strengths and weaknesses. ~ Red Bullets
Last edited by Red Bullets; 07-26-2017 at 12:48 AM.
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07-26-2017, 12:44 AM
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Join Date: Dec 2009
Posts: 8,497
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Quote:
Originally Posted by Red Bullets
The best thing to do IMO is to call your insurance agent and see what it would take to put her on your insurance as occasional driver. If the girl can afford the 500 a month or more, let her pay for it. Your insurer may advise against insuring such a driver too.
Had sort of a situation where my elderly mother was letting her 85 year old friend/neighbor drive her car. I learned that if he had an accident she could have lost everything unless he was down as an occasional driver. My concern was he was quite deaf and had poor eyesight which is just as bad as an impaired driver. He no longer drives my mothers car.
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This-Let the insurance company be the bad guy
Otherwise make sure she only has use of your Wife's vehicle
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You're only as good as your last haircut
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07-26-2017, 12:46 AM
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Join Date: Dec 2012
Location: At the end of the Thirsty Beaver Trail, Pinsky lake, Alberta.
Posts: 24,623
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No, your handing her the weapon now she goes out to buy the bullets, you know there is a problem, so no to the vehicles.
Your worried about accidents...she is going to kill someone.
No.
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Be careful when you follow the masses, sometimes the "M" is silent...
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07-26-2017, 12:55 AM
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Banned
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Join Date: Jan 2011
Posts: 4,090
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nope, nope, nope, nope...........................
Not sure how it could be construed as a good idea.
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07-26-2017, 06:47 AM
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Banned
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Join Date: Dec 2007
Location: Edmonton
Posts: 2,485
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Buy her a bus pass.
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07-26-2017, 07:40 AM
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Join Date: May 2009
Location: Canterbury
Posts: 1,316
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Not a chance, she can use Uber. This is almost a no brainer.
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07-26-2017, 07:41 AM
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Join Date: Dec 2008
Location: Near Edmonton
Posts: 15,061
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So lets see, she is drunk and kills someone in your car. Even if she is covered on your insurance, they will refuse to pay or sues you and your daughter for recovery. You loose everything you own paying off the civil suit. Other possibility, your wife gets really ****ed off and divorces you. You loose half of what you own. I like half better, personally. Choice however is yours.
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07-26-2017, 08:17 AM
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Join Date: Jul 2011
Location: Stony Plain
Posts: 1,144
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Excellent analogy Dean,
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07-26-2017, 08:27 AM
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Join Date: Jul 2010
Location: Edmonton
Posts: 11,858
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If you let a person drive your car who is not insured through either your insurance, or hers as a driver (with an active policy which covers her for the use of your vehicle) - You are 100% responsible and on the hook if she kills someone. there is no insurance company in the world that would cover you otherwise.
And, keep in mind, if she was impaired, there has been legal precedence where they have refused to cover the liability if the insured person was impaired as it a condition of insurability - so you are still on the hook.
NO WAY
Put the foot down. Trying to "accommodate" someone to be "nice" versus this HUGE risk is asinine. Your wife should be ashamed at herself for even putting you in a situation where you feel guilty for saying NO to such an obvious no brainer.
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07-26-2017, 08:31 AM
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Join Date: Jul 2010
Location: Edmonton
Posts: 11,858
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Case in Point .......
Denial of Coverage from your Insurance Company
Automobile insurance covers negligence and perhaps even gross negligence or reckless conduct, depending on what your policy says. But no insurance policy covers intentional conduct.
Some automobile insurers like to argue that drinking and driving is intentional conduct that will allow the company to disclaim coverage for damages resulting from a DUI. The insurers argue that the driver intentionally put him or herself in a position to cause the accident -- i.e., the driver intentionally drank alcohol, intentionally got drunk, intentionally drove after getting drunk, and knew or should have known that drinking and driving is extremely dangerous.
If you cause an accident while you are intoxicated, your auto insurer will at least investigate the circumstances of your accident before it agrees to accept liability for damages relating to your accident.
If the insurer takes the position that you acted intentionally to cause the accident, it may refuse to defend you and will deny coverage for damages relating to your accident. This is especially true if you're trying to get coverage for injuries to other drivers and passengers.
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07-26-2017, 09:04 AM
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Join Date: May 2007
Location: Uh, guess? :)
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Does she have a valid license and a car that is presently insured?
If that's all good I would be fine with giving her the car to do some daytime shopping or running around, but not if she's going out for the night with friends, drinking, etc.
Other alternatives I might consider:
-have HER rent a car and you give her the money to pay for it. Then the risk is between her and rental company but wife is happy you are picking up tab and daughter has transport. All it costs is money but you have marital peace.
-you pay for Uber or cab.
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Quote:
Originally Posted by DevilsAdvocate
In this case Oki has cut to to the exact heart of the matter!
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07-26-2017, 09:40 AM
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Join Date: May 2007
Location: Rocky Mountain House
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How long is she visiting? If it is a couple of days that is one thing but if it is for 18 months that is another.
Couple of days - she rents a car or pays for taxis
Months - Let her buy a beater and insurance (you can help her with the finances). Even then you should be setting rules or guidelines about her use of it.
Would you hand over the keys to your car to your own kid if s/he has a drinking and driving problem?
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Burglar: Aren't you going to call the cops?
Farmer: Why? Nobody knows you're here
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07-26-2017, 10:51 AM
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Join Date: Aug 2011
Posts: 5,169
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Give a drunk access to a vehicle??? HELL NO. Stupid got herself in trouble, it's her own problem. She can walk or peddle.
Tell the wife this is absolutely unacceptable and grounds for a divorce if she proceeds. Dean highlighted the potential consequences. Half is better than none.
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“Nothing is more persistent than a liberal with a dumb idea” - Ebrand
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07-26-2017, 10:53 AM
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Join Date: Jul 2015
Posts: 1,449
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Send her to AA
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07-26-2017, 10:54 AM
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Join Date: Dec 2008
Location: Alberta
Posts: 24,071
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Zero chance. A job pays for insurance and a vehicle, she needs all 3.
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Only dead fish go with the flow. The rest use their brains in life.
Originally Posted by Twisted Canuck
I wasn't thinking far enough ahead for an outcome, I was ranting. By definition, a rant doesn't imply much forethought.....
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07-26-2017, 10:58 AM
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Join Date: Nov 2011
Posts: 1,313
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Quote:
Originally Posted by TrollGRG
How long is she visiting? If it is a couple of days that is one thing but if it is for 18 months that is another.
Couple of days - she rents a car or pays for taxis
Months - Let her buy a beater and insurance (you can help her with the finances). Even then you should be setting rules or guidelines about her use of it.
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^ I would go with this option.
She made the mistake of driving under the influence andgetting a DUI, she needs to deal with the consequences. You are still being accommodating without putting yourself at risk.
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07-26-2017, 11:00 AM
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Join Date: Aug 2007
Location: Calgary
Posts: 19,420
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If she's an adult she can rent a car herself, but based on her history she's probably better off taking a cab or a bicycle. Don't let yourself be the enabler that suffers consequences of her actions.
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"The trouble with people idiot-proofing things, is the resulting evolution of the idiot." Me
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07-26-2017, 11:13 AM
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Join Date: Jun 2010
Location: Calgary, Alberta
Posts: 3,886
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You had me til DUI.. That's a hard NOPE.
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07-26-2017, 11:17 AM
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Banned
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Join Date: Jun 2011
Location: Gods Country
Posts: 1,706
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Quote:
Originally Posted by Fish along
I have a step daughter visiting and she has a problem with alcohol,my wife wants to give her the use of one of our vehicles,which is against my wishes because of the consequences that may arise,accidents and insurance,she has had 2 accidents in several years and a DUI,what would be your approach?Thanks
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Is she in AA, sober? If the answer is no, then so should be yours! I sure wouldn't lend my vehicle to a drunk! (Even though I used to be one)
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07-26-2017, 12:26 PM
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Join Date: Dec 2016
Posts: 42
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no way!
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07-26-2017, 12:44 PM
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Join Date: Mar 2013
Location: Camrose county
Posts: 3,492
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Thanks guys for the opinions,yes to say the least its an awful lot of worry for me so no will have to be my answer,and like someone suggested Get her to rent a car and insure it and I'll pay the bill,at least that way if she has an accident I won't end up being sued.
__________________
If people concentrated on the really important things in life,there would be a shortage of fishing poles.Doug larson. Theres a fine line between fishing and just standing on the shore like an idiot. Steven Wright.
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07-26-2017, 12:54 PM
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Join Date: May 2007
Location: Uh, guess? :)
Posts: 26,739
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Quote:
Originally Posted by Fish along
Get her to rent a car and insure it and I'll pay the bill,.
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Just make sure you give HER the money and not the rental car company. You don't want your name and credit card legally associated with the rental.
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Quote:
Originally Posted by DevilsAdvocate
In this case Oki has cut to to the exact heart of the matter!
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07-26-2017, 01:04 PM
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Join Date: Mar 2013
Location: Camrose county
Posts: 3,492
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Quote:
Originally Posted by Okotokian
Just make sure you give HER the money and not the rental car company. You don't want your name and credit card legally associated with the rental.
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Thanks again
__________________
If people concentrated on the really important things in life,there would be a shortage of fishing poles.Doug larson. Theres a fine line between fishing and just standing on the shore like an idiot. Steven Wright.
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07-26-2017, 01:27 PM
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Join Date: Jul 2007
Location: Calgary
Posts: 633
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NO...
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07-26-2017, 02:12 PM
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Join Date: Mar 2009
Location: Edmonton
Posts: 9,677
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You got your answer, rent her a cheap little economy car on her CC, you can give her the cash to cover it. Way cheaper if something happens and wife should be happy.
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07-26-2017, 05:07 PM
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Join Date: Dec 2012
Posts: 1,031
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DO NOT!!! It is not your responsibility to provide her with a vehicle, her actions are most likely the reason she doesn't drive, she screwed up her insurance, now there's a chance she can screw up yours. Let her learn her lesson the hard way! Do not let her drive under your insurance, because it will end up being on your dime! IMO!
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07-26-2017, 06:15 PM
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Join Date: May 2007
Location: Calgary
Posts: 5,144
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Buck no. Darned auto-correct.
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Former Ford Fan
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07-26-2017, 07:10 PM
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Join Date: Oct 2013
Posts: 882
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Depends. Is she likely to start drinking during the day? If so tell her not even maybe. Use your discretion. Butbif your wife gives her the keys and you have any idea that she may have been drinking. Call the cops pronto
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I seem to really be rather long winded.
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