well crap
I probably just kicked a family hornet's nest.
I have the use of a Subaru that belongs to my parents. The Subaru was totaled due to hail damage in 2010. My parents accepted the payment from the insurance company for the loss, then bought the car back from the insurance company at salvage rate, and replaced the hood (bonnet) which is where the most significant damage was. The rest of the damage is not noticeable unless it's pointed out. If they sold this car to anyone else, a title check would indicate that the car has been written off as a total loss by the insurance company. That significantly reduces its value. (This car plus the a $6000+ check for damages was worth $0 trade in on a new car, six years ago.)
I've offered to purchase the Subaru for the same price they charged my sister for a Datsun they sold her years and years ago. (She'd driven the Datsun when she was in high school in the late 80's; 20+ years ago, they sold it to her for $100 or outright gave it to her.)
They declined.
The beauty of them owning "my" car is: with the title not being in my name, if I were to do something crazy like take a better job somewhere else, they can refuse to let me take the car with me *or* report it stolen. The registration is also not in my name, so I don't get the annual notice to renew the registration.
I can't do routine maintenance without first clearing it through my parents. My dad doesn't want me to take the car to Jiffy Lube for a $30 oil change; he wants me to take it to the dealership or to a specific garage.
Because they own the car, they're responsible for the insurance no matter who's driving it. That's the law.
I carry additional coverage called a "named operator" policy. I have a license and I'm driving someone else's car; even though I have their permission and would thereby be covered if something happened, I live in the real world. People forget to pay their auto insurance, or choose to not carry it even though it's mandated. About twice a year, the local paper has a story about some "secretary" who's been arrested for something along the lines of embezzling the money instead of paying the insurance for the city or company fleet.
In Aug 2016, I was rear-ended. When I reached in the glove box to get the registration, I discovered that the tabs had been expired for a year. I reported the accident to my insurance company (with a named operator policy, your policy covers the vehicle while it's in motion; the owner's policy covers it while it's parked) and left it to them to work it out with the at-fault driver's policy, which is through the same carrier.
When I called my parents' insurance company as a courtesy, I learned that their insurance company didn't list that car on their policy. An insurance agent can often make that go away, if he likes you. The damage claim was a mess. My parents own the car jointly, but my dad's name appears first or is the only name shown, depending upon how the database is configured. Although my mother authorized me to deal with the damage claim, my insurance carrier contacted my father. Instead of saying "we've authorized MM to deal with that; you need to contact her," he got right in the middle of it.
The medical claim is still not settled. Given that there are three policies (the at-fault driver's, mine, and my parents') with two carriers (the at-fault driver and I are insured through the same carrier; my parents use another carrier), my carrier doesn't want to pay my medical. By the time my dad--who is not authorized to act on my behalf--finished talking to everybody, my parents' insurance company had opened a medical claim for me...even though their direct communication with me the day after the accident was that they would not be involved.
I am now in the situation of having to file a complaint with the state insurance commission to get the medical paid.
After the last go-round with my insurance carrier (in February), I was ready to hand my parents the keys to this car and be done with it. I'm tired of the hold it has one me. I'd rather walk.
In Idaho, we can use studded snow tires October 1 - April 30. There are studded tires on the car. On Friday, I asked my mom what they wanted done regarding the tires. On Saturday, I asked again. On Sunday, I sent messages to both her phone and my dad's.
The reply I received was that they would have appreciated more notice. They're busy; my dad has had problems with his eyes, his ears, his teeth, his diverticulitis, and a minor procedure for some kind of cancer. (I was told about the diagnosis several months after the fact, and the full extent of the information I was given is: he's more likely to die of old age before the cancer is an issue.) They'll get back to me on Tuesday, May 2.
I just replied via a text I meant to delete. It wasn't rude, but it wasn't...tolerant of the situation.
I told my mother that I'm not sure how she didn't know there were studded tires on the car (that's an arrangement my father made), didn't know it was the end of April, and didn't know that studded tires need to come off by April 30 (it's common knowledge, and there's a $65 fine for driving with studded tires after April 30).
I mentioned that I've offered to buy the car and they declined. I mentioned that having the title in their name ensures I don't get the notice with the tabs are due, I can't take it in for routine maintenance without first clearing it through them, and it needlessly complicates the insurance coverage.
I didn't even touch on my dad's health. My dad has a problem. I don't know if it's a means of attention seeking, or if he's high functioning ASD and he's obsessed with his health, or what the deal is, but there's a problem. He isn't a hypochondriac, because the ailments are legit. The problem is: once something has been diagnosed and treated, he won't let it go. It stays on the radar for f-ing ever. Thinking back 40 years, I can't remember a time when there *wasn't* something wrong with my dad. Before it was his hearing, or his teeth, or his diverticulitis, it was his tonsils, or his shoulder, or his ankle, or his back. In the years since he's fully retired, they go to the doctor all.the.time. Seriously. Every week he's got an appointment somewhere.
Besides that, it's called adulting. (In the past two years, I have become so aware of how my parents modeled lack of coping mechanisms, it is beyond belief.)
Lovey (who's 9 yrs younger than my dad & 4 yrs younger than my mom) has Stage IV recurrent, hypermetabolic, metastatic colo-rectal cancer; four years ago, they gave him six months if the chemo didn't work. Thank God, it did. He manages to get his crap done *and* work 40+ hrs/wk. My aunt, who's had CRC it for 9+ yrs, manages to get her crap done (she can't work). All of Lovey's peer-aged friends manage to deal with their medical *and* get their crap done, and some of them still work full time.
I've had my own medical, including a concussion sustained in this accident. No sympathy for any of it, *and* they expected me to deal with all of it *like that* (snaps fingers). If nobody else gets a break from dealing with adult responsibility because of medical, why the F do they think they should?
All that, and my sister posted some snarky comment on facebook. She apparently doesn't approve of my participation in the Cheerios #BringBackTheBees program (in the US and Canada, Honey Nut Cheerios sent out a free packet of wildflower seeds to attract pollinators, which have become endangered due to over use of pesticides). My nieces, whom I haven't seen in a year, don't approve and won't be by to pick my flowers. WTF? Who in their right mind disapproves of free seeds for wildflowers to attract honeybees and butterflies?
So that's today's take on texting family and having them on fb.
MM
Last edited by MissMuffins; 05-01-2017 at 10:51 AM.
"Our past is a story existing only in our minds. Look, analyze, understand, and forgive. Then, as quickly as possible, chuck it." ~ Marianne Williamson