After talking to Mike and getting his car and our condo approved, the agent called me to approve my car. We were planning to go to the Taj (JefCo's massive courthouse) on Monday to get both cars put in both names, so I told the agent this and asked if we could do a joint policy. Apparently, we have to be married or demonstrate "intention to wed" in order to have a joint car policy. He seemed more embarrassed about having to tell us this then I was surprised by the seemingly outdated policy. I asked him what we would need in order to demonstrate commitment similar to "intention to wed" and told him that lack of commitment isn't the issue- we've had joint finances for over a year and have no qualms about co-owning cars, condos, etc- but since we don't belong to a religion that celebrates marriage and we don't feel our families care all that much, it's culturally irrelevant. He said he'd ask his underwriter about an exemption and get back to us today.
The whole thing left a bad taste in my mouth, in spite of the agent's apologies and clear willingness to help us get around this clause.
- This is the third time we've been denied the coverage we want because we're not married
- We could save $700+ per year on car insurance by being married
- It would cost us $30 to go to the courthouse and become married
- We seriously considered going to the Taj yesterday and getting a license
- The fact that we seriously considered just doing it should tell you something about how seriously we take that piece of paper
- If my uncles applied, having been together for 20 years and co-owning everything, they would be denied coverage because they are not married
- Suddenly, I understand a lot more about how fucked up the legal issue of marriage is and how it really has nothing to do with religion or ethics
- 50% of marriages end in divorce, so how is "intent to wed" proof that we are committed to each other for life?
- I'd also like to point out that we've been living together for longer than the average American marriage lasts
- We are going to two weddings and a wedding shower this weekend and I need to not be bitter
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