Found out DS taken out insurance in my name, and defaulting on payment

[Snowyscapes]

DS aged 21, doesn't live at home. He has debt issues through over spending. I paid off significant credit card debt for him earlier this year on the basis he was living back home, earning good wage, and would pay back lump sum each month. He instead moved out, has taken on a high rent flat, and paid nothing back. He has written off 2 cars this year and I presume on his latest car (which he took out on finance in oct) he has been unable to get insurance or it was very high. Anyway, over last week I have had letters from insurance company addressed to me saying I have defaulted on payment. Thought it was their error at first as didn't recognise number plate, but then dawned on me it is his car. I absolutely cannot believe he has done this. Which I presume is fraud. DS appears to be currently going no contact with me, I cannot get hold of him last few weeks. His phone contract is cut as I was paying his bill for 3 years and he wasn't paying me back (he was on good wage no living costs), so I can't phone him. I don't know his new address. Whatsapp messages are being delivered, but unread. Whatsapp calls, some declined or unanswered. I have really good credit rating which I need to maintain. Me knowing he is fraudulently using my name and doing nothing about it could have professional repercussions for me. I wanted to give it a week and tell him unless he cancels the policy immediately that I will phone them myself and tell them. But I can't tell him this if he is not reading messages and just had another default letter through.

If I contact the insurance co and say it is not me, firstly he could be done for fraud, and he could become uninsurable, which would mean no way getting to work and could lose his job. I worry about if this happens him taking his life, which he has never stated to me, or shown indications of, but its something I always worry about as sadly I see it far too regularly through my work.

So if I contact insurer and tell them I know nothing of policy and its not mine
AIBU?

You HAVE to phone them. Not only is it fraud but his car is not actually insured.

OP, sympathies that youre going through this (the whoke situation I mean).

Of course he should be responsible as he's an adult.

My point was that him not having insurance won't be quite as dire as some were making out if he has an accident. Hopefully if/when he does have an accident it will only be his car that is damaged. Hopefully no one, even him, will be injured.

That's a lot of 'hopefullys'. Nobody would bother with insurance if 'hopefully' was sufficient. Not having car insurance is dreadful. It's not just your own life you're 'hopefully' playing with. I really cannot stress enough how important it is to have car insurance.

hes driving without insurance anyhow, because he used mothers name; he isn't insured anyway. Even if he is on as an "additional" driver, they wont hold the policy as OP isn't the real driver and son isnt an "additional". the insurance is void in any way you look at it.

If I contact the insurance co and say it is not me, firstly he could be done for fraud, and he could become uninsurable, which would mean no way getting to work and could lose his job.

Good! consequences for his fraudulent actions. Maybe teach him a lesson. It doesn't sound like you have a great relationship, he is ghosting you, he is using your name, he doesn't respect you, you've created a monster and enabled his actions throughout his life, time to stop.

It's so totally irrational to take out a fraudulent insurance policy which will never pay out that I think there must be more. I suspect that the actual car itself has been bought and registered in OP's name.

Given his driving history he would have been unable to take advantage of any finance deal that packaged up car purchase and insurance. He would have pretended to be OP for the car purchase too. There will be two separate credit agreements for the car and the insurance. He will keep up payments for the car as long as he can because he won't want the car repossessed, but knows there's no point keeping up payments on the insurance. Dig more @Snowyscapes , the deception goes deeper than you know.