Only if you expect your insurance to cover you if the child has an accident. You auto insurance contract states that you are responsible for listing all household members and drivers who drive your vehicles. If you do not do this then you have committed material misrepresentation and the insurance company is then not responsible for paying for the damage from the accident.
If your child gets in a wreck and the insurance company finds out he caused is and he has been the primary driver in your name, they dont't have to pay a cent and your rates may skyrocket until your child moves out.
If you add the child as a driver on the policy.
Only in a case whereby you would like them to be responsible for paying a claim if something happens to the vehicle while the child is driving. Sorry for the sarcasm. You would definitely be required to have them listed as the primary driver on the vehicle in this case where they are the primary driver of the car. Remember to always tell the insurance company the complete truth. All household members and/or drivers of the vehicles must be listed as drivers on the application. Remember that this means if they live in the household or if they drive the car. This means that in either case they must be listed on the application as driver. If your child lives elsewhere such as in college they are still considered a member of the household and therefore must be listed on the insurance application. Be careful about telling the insurance company the complete truth about drivers, vehicles, and addresses to make sure you have coverage when you need it.
Each vehicle does have to have its own insurance policy, but as long as she is listed as primary driver on the car your husband can purchase and pay for the insurance on the car she drives when not at home. This is commonly done for example while a child is away at college.
Check with your Insurance Agent/Company to be specific. Definately as soon as they receive their license. At the very least, the insurance company should be aware of the new driver as soon as they get their permit.
Often, a person will have "primary" insurance and "secondary" insurance. For example, if you have insurance through your job, and your husband has insurance through his job, then your primary insurance will be the one through your job, and your secondary insurance will be the one through your husband's job. Also, your husband's insurance through his job will be his primary, and yours through your job will be his secondary. There can be some exceptions to this though. For example, if you were married, had a child, then divorced and remarried (retaining custody of the child), and both your ex and current husbands have insurance through work, then the one who's birthday is first is considered the "primary" insurance, and the other is the "secondary" insurance. But there will still be a deductible with each one that has to be met before either one will pay.
This depends on where in NY you live, tickets/accidents on the driver's record, type of vehicle, types of coverage on the policy, limits and deductibles, who the insurance company is, whether the child is a primary driver of any car or is an additional driver and whether there are other discounts available (driver's ed, good student, multi-car, homeowner's policy, etc.) Check with several insurance companies - including online options - to get an average price that relates to your specific information.
Yes, anyone can be a listed driver on your car.
Insurance is issued on the vehicle, not the driver. If your child, properly licensed, is driving with you in the front passenger seat, the vehicle and its passengers are covered.
It's not at the discretion of the insurance company as to who is the primary or the secondary. It is the sole decision of the policy holder(you). They are a paid service and are there to serve you. Correction: No, it's not at the discretion of the policy holder. The primary coverage is based on who's birthday comes first. For example, in this particular case, the child lives with his mother and stepfather, and the stepfather and the biological father both have him on their medical insurance policies. The father's birthday is in October and the stepfather's birthday is in December. So the father's insurance is primary, and the stepfather's insurance is secondary. These are the quidelines insurance companies use to determine which one is primary, and which one is secondary.
Yes you can, Ask your insurance company for a Named Driver Exclusion. This will allow your child to stay on your policy(just in case) with out being charged for that child!
The answer will vary from state to state, loan to loan and insurance company to insurance company. However, in most jurisdictions the DRIVER is responsible for insurance, regardless of who owns/titles/leases the vehicle. If I understand your question, you are asking whether the principal on the loan or cosigner is responsible for insurance? Most insurance companies could give a rats donkey WHO carries insurance, so long as insurance meets the loans stipulations, but you would be best suited asking the insurance company.