Husbands vs. Wives: Who Lies More About Traffic ‘Incidents’?

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eHow Money Blog

Is there a suspicious dent in your fender that your spouse swears he knows nothing about?  Did your car insurance rates jump for seemingly no reason? The reason for these annoyances could be closer to home (or more precisely, literally in your home) than you might think:  A new study shows that spouses often keep car accidents and traffic tickets, both of which raise insurance rates, from one another.

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Insurance website Insure.com surveyed 1,000 married adults in the U.S. about their driving records and what they did — and didn’t — disclose about them to their significant others.

  • 35% of married people admit to dinging their car and then telling their spouse someone else did it.  Married men (42%) do this more than married women (27%).
  • 25% have kept a traffic ticket a secret from their spouse.
  • 24% have kept a traffic accident a secret from their spouse.

What’s more, husbands are more likely to believe that their wives might be keeping secrets about car accidents from them than vice versa. Thirty-eight percent of husbands think “it’s possible” or know that their wives have kept a car accident a secret (only 17% of wives say they’ve done this). On the flip side, just 23% of wives think “it’s possible” or know that their husbands have kept a car accident a secret, even though 31% of husbands admit to doing this.

That same trend holds true when it comes to traffic tickets.  Thirty-two percent of husbands think “it’s possible” or know that their wives have kept a traffic ticket a secret (just 16% of wives say they’ve done so). Compare that to the fact that just 25% of wives think “it’s possible” or know that their husbands have kept a traffic ticket from them, even though more than one in three husbands admitted to having done this.

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Not only are secrets hard for many couples to stomach, this one is potentially costly: While there is no standard uptick in premiums after an accident (it varies from insurer to insurer), it could raise your base rate 20 percent or more, depending on your past driving record.  Traffic tickets can cause your rates to increase as well. Depending on what the ticket is for, your rates may jump from 3 to 22 percent on average.

Readers, we’d like to hear from you! Do you think your spouse has ever neglected to tell you about a traffic ticket or small accident or blamed an accident on another person when it was actually his or her fault?

 

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