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Can your kids drive your vehicle if they are not on the insurance policy?
Wiki User
∙ 12y ago
No!
Wiki User
∙ 12y ago
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Do you have to add kids to car insurance policy?
Yes.
What kind of policy is Endowment Insurance Policy?
Endowment Insurance policy is life insurance. Life insurance is very important to have, especially if you have a family or kids. If anything should happen to you, you would want to know that your family could live comfortably without your income.
How does one get a free life insurance?
You can get free life insurance from the company MassMutual insurance. It is a term life policy so you will have to die before your kids can collect the money.
Divorced dad insures kids on his policy can kids drive moms car?
Mom should have a discussion with her auto insurance carrier. If they are not driving the vehicles regularly, say a couple times a month, most policies will allow it. But if they are driving it regularly, she needs to make sure she is protected. Father's policy may have a rider for driving other vehicles.
How old until you can have health insurance for your kids?
It is until your kids attain the age of 25 years that they can be within within the umbrella of your policy. After that, they can stay in the policy, but you are to forego the the family discount. Alternatively, they can have their seperate policy,if they are already in service or attached with any profession.
Do you need auto insurance when you have a learner's permit?
More input from Wiki s contributors:In all 50 states, vehicle owners are required to carry some form of financial responsibility, generally, this requirement is filled by an automobile insurance policy, although in some states it may be satisfied by a bond or other form of security. When you or a member of your household owns a vehicle and you obtain a learner's permit, you must be added to the insurance policy that covers that vehicle as a household operator. Not all insurance companies will charge additional premium to add you as an operator..However, if you obtain a learner's permit and neither you nor any members of your household own a vehicle, you will not need to obtain separate insurance. Make sure that any non-owned vehicle that you drive in is covered by an automobile insurance policy and that you follow the restrictions of your learner's permit. As long as you are a permissive operator (meaning that you have permission from the owner to drive the vehicle), you will usually be covered by the owner's insurance policy..I'm from WA state and a parent to a 17 and 20 year old and they were covered under our auto policy until them became a licensed driver. Check with your insurance company but, under no circumstance would I or my kids with out insurance!.I think it varies from state to state and depends on your individual insurance company and the type of policy purchased. We are in Illinois and have State Farm insurance and I also have a 15 year old that is getting his permit next week. I spoke with my insurance agent and NO I do not need to add him until he gets a full license. Even then don't sweat it to much especially if you are with a good company because most offer big discounts for good students and provide safe driving seminars..I live in Virginia where you don't need an, "Insurance Policy," at all. Instead of buying an insurance policy you are allowed to pay into a general fund, about $400 per year..Whichever car you're driving should be insured, and in some cases, if it's your parents' policy then you will need to be specifically added to that policy. Once you get your license and are 18 years of age you can start looking for your own insurance policy. However, please remember that it's difficult for teenagers to get a decent auto insurance quote.The State of New Hampshire does not require Insurance. If a vehicle is financed, the lending institution will require it but if you own a vehicle outright, there is no state law mandating insurance coverage. It would be foolish to not have any insurance at all. A simple liability policy is pretty cheap but there isn't a lot of coverage. If you get hurt or hurt someone, it's on you to take care of damages and medical responsibility. You don't have to have it, but you should and don't get caught without it.If you are the permit holder and you are driving your parents' car, you may be covered under your parents policy depending on the coverage purchased so long as you are driving with permission of your parents. If they have a standard form policy it will generally cover you. Some companies require a permitted child be added to the policy for coverage while others do not require until you get your full license, In most states there is a service that gets the names of new licensees and cross checks it with the list of insureds at an address and will inform the insurer of the new licensee so that you can more easily be 'added' if your parents 'forget.' If your parents continue to 'forget' some insurers will automatically add you to the policy and send your parents the new much higher premium....which is why your parents would have 'forgotten' for so long.
Does auto insurance policy have to be in the same name as the title owner in Texas?
kids play with their nipples if they want them hard when you get older.
Is it against your rights for a judge to make you make your kids 100 percent beneficiaries of your life insurance policy?
A judge can decide.
Where can I go to find information about the different types of car insurance in Florida?
You can review the requirements for auto insurance in Florida here: http://www.flhsmv.gov/ddl/frfaqgen.html In terms of adding kids to your policy, it is best to speak to your current agent. Your rates will increase, depending on the age of the kids, the vehicles they are driving, whether they are principle drivers, how they do in school academically, the distance they drive, use of the vehicle, etc. There are many factors to be considered, including how much coverage over and above the standards you need to protect your assets. The matter is involved and requires a professional, so contact your agent.
Are the kids insure on car insurance?
Whose kids, what kids? If you have provided your insurance company with the driver's license information, name, birthday, and any other information for your children who live with you then yes, they will be covered on your policy. If you have not given the company this information, they will not be covered as you have committed material misrepresentation and voided the contract.
What is an excluded driver in Florida?
an excluded driver is someone who IS on the policy but does not drive very often so they are excluded from driving. Alot of parents do this for their kids in college. They show up as having insurance because they are on the policy, but the parents dont get charged an arm and a leg for having them on the policyThat's WrongAn Excluded Driver is SPECIFICALLY NOT on the policy and there is NO INSURANCE if he is driving when involved in an accident. If a member of your family is named as an excluded driver, do not let them drive! In Florida, auto insurance consumers are allowed to "exclude" certain drivers from coverage under their insurance policy. This usually results in a lower premium. It also facilitates purchasing insurance as many insurers will not accept certain types of drivers. The purchaser ("insured") completes a form stating that they wish to exclude a certain driver(s) [sometimes this is part of the application for insurance and sometimes by a separate document] and the insurance company issues an insurance endorsement (additional form to the policy) that states, in essence, we do not provide coverage for the excluded driver. In Florida, an insurer cannot deny coverage for PIP or Property Damage up to $10,000 even if the driver is excluded as these are mandatory coverages.
If a driver in the household is not listed on the insurance on a vehicle can they drive that vehicle if they are given permission by the insured?
For New York, I think the answer is yes, *legally*, but a "driver in the household not listed on the insurance" is wrong contractually with your insurance company.I am trying to research this on the internet and here are my discoveries so far for New York State :(1) Drivers in your household who have their own vehicle(2) Drivers in your household without a vehicle, i.e. child/older parent.(3) Driver not in your household who uses your vehicle regularly, i.e. personal assistant, someone who drives you to errands, child who borrows your car.[ Kids away at college 10 months are in your household I think ]You must tell your insurance about (2) or (3) , even if they will never drive your vehicle. Apparently, even if they are not family. You must tell them about a (1) if they will be using your vehicles.Any driver you permit to drive your vehicle is (by law ??) insured, but if a loss or ticket occurs with a (2) or (3) you may (probably will) get dropped by the insurance company and spend a lot more $ getting back on with someone else.Watch out for catches like what I'm trying to research - I have my 2 vehicles for my wife and I, My 25 yr old son has his vehicle off the road (unregistered, but insured) for 3 months, does my 21 year old daughter with her own vehicle need to put him on her insurance too ?
