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      11-16-2018, 12:30 AM   #23
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Tell him to buy a $500 dollar civic as his "daily", then register the m3 in mamas name
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      11-16-2018, 12:40 AM   #24
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Quote:
Originally Posted by IanMan View Post
I lol'ed. You can get a DUI on one of those too.
Yeah but at least (generally) he'll be only responsible for himself on a bike.
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      11-16-2018, 12:41 AM   #25
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Quote:
Originally Posted by WPGBNC View Post
Ummmm...yeah, his “cousin”
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      11-16-2018, 01:11 AM   #26
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Maybe he can change his legal name.
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      11-16-2018, 08:02 AM   #27
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Yeah, this isn't going to go over well. I made a quick call to a friend of mine who runs a discount insurance office.

He said, here in TN, the quote through Direct General Insurance Company for SR22 insurance on a 2013 BMW 328i with no other history of accidents or traffic tickets was as follows:

500/500 comp & coll
10/50/10 PIP LIAB

$3,150 per 6mos.

He thought that was a pretty good rate based on the circumstances. He said that State Farm won't insurance him and that Progressive was substantially more. Of course this varies per state.




Oh. My. God.

I pay $485 per YEAR for way better coverage on my E93. Dear Lord, man - he just needs to start getting really friendly with Uber drivers.



.
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      11-16-2018, 08:19 AM   #28
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Quote:
Originally Posted by MWMM3 View Post
The younger cousin recently got a DUI few months ago and when he visited he was wondering whats the cheapest insurance rate for him? He is only 20 years old and wanted a bimmer too since he was looking for cars soon but I'm not sure which insurance is affordable for him. Anyone got an insurance company or tips for him
Why don't he just do a quote and see lol.
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      11-16-2018, 09:48 AM   #29
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Quote:
Originally Posted by DieselOG View Post
Tell him to buy a $500 dollar civic as his "daily", then register the m3 in mamas name
The only real solution mentioned in this thread
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      11-16-2018, 09:57 AM   #30
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20 years old, has DUI, biggest life priority shouldn't be getting into a BMW right now.
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      11-16-2018, 09:59 AM   #31
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Quote:
Originally Posted by MWMM3 View Post
people like you that overlook everything LOL... if that's what you like spending your time doing then so be it. I don't need any validation especially from another statistic on the web
I think the word you were looking for was "overanalyze".
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      11-16-2018, 10:00 AM   #32
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Quote:
Originally Posted by xander_g View Post
The only real solution mentioned in this thread
Not really. If done with intent, then it would be classified as insurance fraud and he will go to jail. Again.

If no intent, then he would still need to be listed as a driver on the mom's insurance, which would increase her insurance rates by a comparable amount as if he was just getting his own. If he wasn't an insured driver on the car, then if it gets in an accident, no one is gonna cover it.

Probably not the best plan.
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      11-16-2018, 10:25 AM   #33
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Quote:
Originally Posted by usshelena725 View Post
Not really. If done with intent, then it would be classified as insurance fraud and he will go to jail. Again.

If no intent, then he would still need to be listed as a driver on the mom's insurance, which would increase her insurance rates by a comparable amount as if he was just getting his own. If he wasn't an insured driver on the car, then if it gets in an accident, no one is gonna cover it.

Probably not the best plan.
Not sure how insurance works in the states but in ontario that would be a viable option.

Any vehicle that is insured will have the policy cover anyone operating it as well as any passengers, so a person in the same situation as op's cousin wouldn't even need his own insurance(unless the company finds out and makes him sign a document explicitly stating that he will not operate the vehicle under any circumstances).

If the cousin gets a shitbox and insures it, by the time the dui is off his record, his rates will be lower as opposed to just waiting for the record to clear and getting insured afterwards. Having a history of being insured(regardless of driving record) is still better than not having any insurance at all.
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      11-16-2018, 10:36 AM   #34
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Quote:
Originally Posted by xander_g View Post
Not sure how insurance works in the states but in ontario that would be a viable option.

Any vehicle that is insured will have the policy cover anyone operating it as well as any passengers, so a person in the same situation as op's cousin wouldn't even need his own insurance(unless the company finds out and makes him sign a document explicitly stating that he will not operate the vehicle under any circumstances).

If the cousin gets a shitbox and insures it, by the time the dui is off his record, his rates will be lower as opposed to just waiting for the record to clear and getting insured afterwards. Having a history of being insured(regardless of driving record) is still better than not having any insurance at all.


Fair point - I didn't see the Maple Leaf. Obviously things are different up there.
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      11-16-2018, 10:43 AM   #35
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Quote:
Originally Posted by Transfer View Post
Where can I buy this DUI insurance? Sounds helpful.
Yea, that and some nice STD insurance would be very helpful. Maybe throw in a bankruptcy rider with that.
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      11-16-2018, 10:51 AM   #36
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Quote:
Originally Posted by usshelena725 View Post
Fair point - I didn't see the Maple Leaf. Obviously things are different up there.
I definitely get what you mean, it is circumvention.

Because insurance rates in Ontario are so high, people have been doing all kinds of things to save a few bucks including but not limited to changing their address to one in a rural area as ontario insurance premiums factor in your location within the province based on accident/claim rates for the given region, some have gone as far as registering and insuring their cars in quebec which has much lower rates, and the list goes on.

In my late teens and early 20s, I have registered cars to a family member and then insured them with myself as the "occasional" driver because of the insane rates.
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      11-16-2018, 03:12 PM   #37
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Future advice , don't drink and drive .













Drink before you drive.
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      11-16-2018, 04:39 PM   #38
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Quote:
Originally Posted by Kyngofpop View Post
You think a DUI is bad, wait until the offender has to blow in one of these going down the highway at 75 mph while trying to beat the onset timer that comes on at any random interval. At his age he's susceptible to flip his car and kill tons of people in the process. Horribly designed device with litigation in many states over people being killed while trying to operate it.
Then he needs to loose his license if he is too stupid to pull over and stop driving for the timer.
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      11-16-2018, 04:41 PM   #39
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A DUI is not a mistake. It is a CHOICE. Data shows that the average DUI driver has made this choice about 80 prior times before getting caught.
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      11-16-2018, 04:43 PM   #40
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Quote:
Originally Posted by DieselOG View Post
Tell him to buy a $500 dollar civic as his "daily", then register the m3 in mamas name
Then his mamma will be criminal liable for why she allowed a known drunk driver to operate her car. Mamma will also be liable for damages and lawsuits should a traffic crash happen. How much is mamma's house worth? Kill a kid and mamma can kiss that house good bye.
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      11-16-2018, 05:03 PM   #41
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DUI @ 20, he has a bright future ahead of him.
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      11-16-2018, 05:05 PM   #42
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DUI @ 20, he has a bright future ahead of him.
dayum. one decision decides your life?
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      11-16-2018, 06:08 PM   #43
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Quote:
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Then his mamma will be criminal liable for why she allowed a known drunk driver to operate her car. Mamma will also be liable for damages and lawsuits should a traffic crash happen. How much is mamma's house worth? Kill a kid and mamma can kiss that house good bye.
A known drunk? 1 in 5 drivers has a DUI on their record here. Guess I can never let anyone drive my car again...
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      11-16-2018, 06:12 PM   #44
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I have always found it interesting that people have to pay an insane amount to insure their car when they have a breathalyzer in it. You would think that would make you less of a risk, unlike the rest of the population, it is physically impossible for them to drive their car impaired
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