American Car Insurance is Bonkers

Almost three years into my “American Adventure” and I still don’t own a car. Quite frankly it didn’t make sense to get one – my girlfriend had one and it was barely used, as we lived in Queens and spent most of our time in the local neighborhood or else in Manhattan.
That decision has proven even more prescient as we now find ourselves in the midst of a global pandemic, where going out and about is really not well advised.

We do still have one, however, and so there are some procedural things that need to be taken care of. I discovered – to my surprise and honestly slight consternation – that the vehicle was still owned by my partner’s father and insured by him too. This was alien to me, having been the registered owner of my own vehicles from my early 20s, and also kind of a problem – I had no frame of reference of how things worked in this country compared to mine and, as it turned out, neither did she!

The issue was ignored until recently, when we discovered that in order to have the car inspected in Massachusetts, it needed to be registered here. Registering it here required insurance in the state, which had to include the vehicle’s owner … and so a game of pass-the-paperwork was begun to get my partner registered as the owner, in order to get her insured, and then to get the car inspected, as it’s due this month (August).

I ended up shopping for insurance because, despite having no idea how it worked here, I had at least done it for myself before in another country, so technically that made me the more experienced one.

What I discovered was yet more of America’s baffling attempts to appear helpful whilst actually trying to screw over the consumer, and make as much money as possible in the process.

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