Do you have to add your child to your car insurance if they drive only occasionally?
If they live in the household, yes.
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\n. \nIf the child is a lisenced driver living in your household, the insurance company assumes that he will drive the car. It is possible to have an exclusion added to the …policy (more likely to be the company's decision after the minor has had 3 or 4 claims) that states the child will not drive it. If you have this exclusion, there is NO COVERAGE IF THE KID IS DRIVING, so don't even let him back it out of the garage.\n. \n Answer \n. \nIn a nut shell, because they do not believe that the child won't ever drive the car, and actuarial experience bears out that they are right. Odds are that sooner or later most parents will let the child drive the car "just this one time...". As mentioned above, most states allow insurers to exclude an operator from coverage and thereby reduce the premium accordingly, but be aware that if the child is the operator in an accident of significant proportions, your financial life could be profoundly effected. In other words, if he/she seriously injures or kills someone, and you are found liable, well.... let's just say it won't be pretty. Think VERY carefully before selecting this option. If he/she is not living in your household (and has a legal address elsewhere but the car is NOT pricipally kept there), none of the above applies. As long as they are licensed and operating the vehicle with your permission (and do NOT do so on a regular and frequent basis), there would be coverage. \n. \n. \n Answer \n. \nYou are required to add a child to the policy because almost every policy is a family policy, in that every resident relative is covered to drive your vehicles contractually whether or not they are listed as an operator on the policy. See your Definitions section of the contract for 'insured driver'. What that means is that the company is legally on the hook for paying if they drive or not, so they are deffinitely going to collect the premium for it. A NDE (Named Driver Exclusion) is a possibility, but be warned: these are usually underwriting decisions by the company (We'll nonrenew you unless you sign this NDE for your son who has had 4 accidents in the past 3 years.) so if you ASK for an NDE and one is applied, it will still be considered generally as though the company asked you to have one when you want it to come off. In that the company may NOT WANT to take it off, may have some guidelines (no accidents/tickets in past 3 years for example) for when one can come off.
Yes as long as you can accept responsibitliy for any damages that she incurrs while in your vehicle. I do it all the time. Are you insured? Does she have a license? My underst…anding is that most insurances will cover the insurance holder as well as anything they drive, and also anyone who drives the insured vehicle.
Answer . \nI doubt it. He/she is probably no longer in your household, which is generally the boundary of your policy.
Answer . \nIf you read the policy under "definitions" (usually at the beginning of the policy, an "Insured person" includes you or a relative...or any person operating the …vehicle with your permission. Your spouse is automatically included, regardless of "permissive use." Since the policy automatically affords such coverage, the underwriters base your premium on such factors as; teenage drivers in the household and driving/accident history of all family members residing with you.\n. \nKeep in mind; In the event one of your family members took the car without your knowledge, your insurance company is going to cover them in the event they hurt someone else while operating that car.
As long as the child is a member of your household they must be listed on your insurance policy as does anyone living in your household or being a driver of any of your vehicl…es. This is stated on your policy that you agree to list all residents of your household and drivers of your vehicles on your policy. Most insurance companies will allow you to list and then exclude people who have their own insurance and will never driver your vehicles. Just remember that if you exclude a person that anytime they drive your vehicle for any reason there will be no coverage at all if the excluded driver is driving.
Answer Yes, and sometimes for cheaper if you can show that it is not your primary car.
If a parent owns a car and only insures 18 year old child to drive the car does the 18year old have to live with the parent who owns the car?
In most places no. But my suggestion is either get a job and car and place of your own or appreciate the fact that your parents are trying to take care of you. btw …18 y/o is not a child, technically.
Yes, you can add the child and the car
Can I get a 2nd insurance on a relatives car I wish to drive in UK for 3 weeks. Existing insurance does not cover occasional driver?
You can and you should. Think about it, a few dollars will buy you a piece of mind, simply because you never know what you going to come across when you go around the corner.
If they're not driving anything of yours, they don't need to be insured for your vehicles. However, if you have a child with a learner's permit, your insurance rates will like…ly be affected, regardless.
Does Allstate Insurance require you to add your child to an insurance policy if they drive a car occasionally?
All insurance companies require all household members to be listed on the auto policy whether drivers or not. All drivers must be listed on the policy as well. You agree to th…is on the application for insurance that you take out and it is listed in the policy as a requirement. The application and policy are legal contracts. If you do not meet these important requirements then the insurance company is not required to keep their end such as paying for losses that occur. Be very careful about not keeping your end of this contract. Both parties to the contract depend on trusting the other party to performing their requirements under the contract. As a matter of full disclosure, I own and operate a small Independent Insurance Company in Central Georgia and have for the past 22 years. Prior to that I worked as an agent for a direct writer of insurance for 3 years.
Its probably not a law that you have to your child to an insurance policy but it may be part of the contract between the insured (yourself) and the insurance company. The appl…ication and policy make up a legal contract for your auto insurance. In this contract you agree to notify the insurance company of any and all drivers and household members and you agree to pay the premium. The insurance company agrees to pay claims for the coverage you purchased and to defend you in court should the need arise. The reason the insurance company wants to know about your child (all household members) is because if you are in an accident they need to know how many people from your household may be in the car so they can charge enough to cover the medical expenses of all insureds. Insurance companies are regulated state by state so your state may have different rules as to what the insurance company can require to sell you an insurance policy.
As long as your child does not have a vehicle with them ever when at school the many insurance companies allow for a large discount due to the fact that the child is not a reg…ular driver. They are still a member of your household and should be on your policy in case they drive when at home or may drive when at home.
Do you have to add your child to your car insurance if they are of legal driving age but don't have a drivers license?
You need to notify your insurance company of all children at or over the age of 15 and let them know of the license status as well. If they get a license of any kind notify yo…ur insurance company and give them the license information. If they are not licensed be sure that you do not let them drive the vehicle for any reason. Many insurance policies read that no coverage is provided if you allow someone to drive who you know or should know is not licensed to drive.
No. You policy states that you must list all household members and drivers of any of your vehicles no matter how often. Especially in the situation of a child who is related t…o your by blood or marriage. Be very careful with issues like this. You are not paying the company for the premium due them for this driver so you have no right to expect them to pay the claim when the person have an accident. The can and will deny the claim. I have seen it done and it states your requirements in the policy.
Most policies state that you have to notify them of all household members and drivers of the vehicle. This is something that you have agreed to do in the insurance contract. M…any insurance companies will allow you to exclude the person from your insurance policy if they absolutely do not drive the vehicle. When you sign an exclusion you are agreeing that not only does the person never drive your vehicle but also that if this person does drive for any reason there is no coverage under the policy while he is driving. If you get sick and cannot drive but your boyfriend does and has a wreck they pay nothing. In order for a person to be covered they must be listed on the policy and any premium for them must be paid. Doesn't that sound fair. They are covered only if you pay for them to be covered.
IF they live with you, are a member of your household, or if they drive any of your vehicles, ever. If they are a student away at college or boarding school, they are still a …member of your household and must be added or excluded. If they ever drive your vehicles they must be added.