[kbone]

there are 2 answers to your insurance question. Your lein holder will require you to maintain coverage on your vehicle as long as you are making payments for it. If you choose to drop your own coverage, the LH will purchase their own and roll the cost into your monthly payment (bad option). If you choose to park the CR-V, you can reduce your insurance bill by placing the CR-V in "storage", basically there will be comprehensive coverage only on the vehicle. As long as the vehicle is parked and not being driven, that is the only coverage you should need (Storage conditions usually require the vehicle to be secured in a garage). That will reduce the cost of insurance for the vehicle, while still providing coverage that your LH requires. Remeber though that if you do drive the CR-V again, you will need to contact them to replace your liability and collision coverages, otherwise if you do have an accident, you will be out of pocket for damages. Obvouisly check with you insurance carrier, as they will be able to let you know what they can do for you. Don't be afraid to ask what options are available for your policy, rememeber, you are their customer, they want your money.

As far as the solution to your entire problem, you could ask your wife to consider finding a job closer to home (BTW, most insurance policies exclude business use, which means if your wife has an accident while she is transporting a patient/client, your ins company will deny you coverage). If you rent, you could consider moving to a location the is more central between both your jobs, helping reduce the mileage on the CR-V (although not reducing your fuel cost, as you will be driving more).

You could ask your wife if the company she drives for reimburses for mileage driven on the job. she could start tracking her mileage & expanses and ask to be re-paid for what she is spending to drive patients/clients. She should also inquire as to whether or not they would be willing to supply her with a company gas card, or even a company supplied vehicle for when she is on the job. Depending on your job, you might also want to inquire a transfer to a location closure to your wife job, reducing cost of fuel and insurance, as your commute length also plays into your premium charges. Good Luck!

and Remember, a wise man once said "Women, can't live with them, can't shoot `em!" - Tom Arnold, True Lies