@ SUY
"So I'm driving My car on someone elses name and insurance for the last 5 years"
-> so is that someone in the insurance policy a) mentioned as the policeholder and also the car owner or b) are you mentioned as the car owner?
if a) then you are lucky, because if you would have had a crash during those 5 years the insurance is allowed to take from that someone up to 2 years insurance contributions.
if b) then you have the proof that you as the car owner didn't have any damage.
at least in germany it is like that. some of the insurance companies are even work together what makes it even harder to get insured again!
"tomorrow some other insurance company person will drop by, so then I'm gonne know what this is gonne cost Me with his company, it isnt going to be cheap thats for sure.."
-> and, what did he say? how much is it?
.