Expert: Richard Hixenbaugh - 12/30/2010

Question
Two years ago I was married, but seperated.  We had a car that was in both our names (I co-signed the loan).  After we seperated my ex took that car since that was purchased for him to drive.  He was supposed to take over care and payments in all aspects of the car.  I had my car insured, but he did not insure the car he was driving, which I was not aware of.  A couple months after our seperation he apparently stopped paying his insurance which was through a different company than mine.  He proceeded to receive a DUI while in that car.  My license was suspended and I had to file an SR22 and put his car under my insurance to regain my license.  Two years later now, I just sold my car so I dropped my insurance coverage and again lost my license.  I was never informed that I needed to maintain insurance coverage to keep my license.  
Is there anything I can do?  My ex had told me that everything was good on the car he drove so I was not aware of the lack of insurance? But am I still liable because my name was also on the loan?
Any suggestions?
Thank you.

Answer
Hi Jesse,

Yes. As long as your name in on that car either on the loan or on the registration, you will be responsible. In addition, now that you have nbeen mandated to have an SR22, that requirement lasts for 3 years even if you do not own a car. If you do not own a car, you would need to take out what is called a "NON-OWNERS" SR22 policy. Ask your agent for the details.

I hope this helps
Richard Hixenbaugh