I am assuming she didn't get in trouble with the law concerning the DUI because you didn't mention the expense of the auto insurance. Then again, the insurance rates will not increase right away it will increase at renewal if she was caught by the law.

I work for an auto insurance company. I have seen policies go from 100 a month to 800 dollars a month for 1 DUI. I have seen our insurance company drop policies because the insurance company did not want to take a huge risk on someone with a DUI. More than likely you will need to increase your liability coverage as well especially if you only carry state minimum coverage. Your insurance company is going to be the least of your expense. Lawyer fees court cost.

Tell your husband to think of how much he would need to pay someone for hospital visits, physical therapy, and home care because they are paralyzed due to the accident his daughter caused. Imagine if it was just more than one person that was injured. I have a client who injured a person during an accident. We paid out the maximum of his policy and he is still paying medical bills for the injured person. The accident happened over 10 years ago. The injured person can't walk now and needs all kind of therapy.

Even if SD does not live with you, SD can still be on your policy and should be if she is driving a vehicle that is on your policy. Now if she was driving a vehicle on your policy and she wasn't on the policy. You can be in more of a sticker situation.

I know your DH feels that he is helping SD. He isn't. He is taking a huge gamble.

Why are you the one communicating with BM about this? Your husband should be doing it.

I don't blame you one bit for wanting SD off your insurance policy. I also don't blame you for not wanting your husband to still pay her premiums. She's not going to learn her lesson if her premiums go up but Daddy takes care of it for her. Plus, assuming you share finances with your husband, the increased cost will affect you.

It never ends. My DH is still paying for SD31 car insurance for the car he gave her 3 months ago after she totaled the last one, this was while she was living with the Drug Dealing Gang Member. BM is paying her Child Support & Cell Phone. Why? Only think I can come up with is because she has 2 kids not counting the one she lost custody of. Thankfully our finances are spilt.

You need to get that girl off your policy & get your DH to an ALANON meeting. It's not mean, it's understandable. She behaved recklessly & endangered other people's lives. She had to stop drinking? As in she has a problem with it? Do not enable things like drinking & driving, treat it like the crime it is, treat it like the disgusting selfish act it is. Someone that's reckless with other people's lives & messes with your ability to function financially for the rest of your life doesn't deserve to be on your policy. It seems like you know that. What if she seriously hurt someone (you guys pay?). Enabling hinders SDs X development, it does not help. At 20 she should be working FT living on her own paying for her life & mistakes, with help when she falls or needs it (as in only dire situations), or she should be in college living on her own & working to pay for whatever she wants (car, insurance, etc.). If she cannot afford a car or the insurance, she shouldn't have either.

Ask your DH to go to a meeting, ALANON meetings, to just try 2 with you, that you're frustrated with this & you want to find out how to best help SD. Whether SD is or isn't an addict, it's for problem drinkers too, & DUI=problem, your DH will learn all about enabling there & the antics of addicts. I think the meeting is 100% necessary, as it may open his eyes to how much he's hurting his daughters development. If he refuses to go with you, go by yourself. Explain to whoever is heading the meeting, everything that has been going on. They'll help you and tell you how to help your DH & his SD. They all know, because they've been there too. It's also a fantastic place to learn that you aren't alone & addicts all pull the same BS & the people in their lives nearly all enable at some point. You'll be shocked how similar the behaviors & stories are. A meeting will help your DH come to his senses.