First realize that the insurance regulations are different from state to state and from company to company. We live in Texas outside of Houston and have two teenagers in the home and we have Allstate. In our policy our eldest has her own car and we asked that she be rated as the principle driver of that vehicle. For the other vehicles we designate a principle driver as well, car for my wife to and from work, car for me to and from work, truck for pleasure, etc. This designation will reduce the rate to some degree. HOwever, you always have the option to specifically exclude a driver from a vehicle (at least Allstate does) but that is noted on the decleration section of the policy as well as the card that you keep in your vehicle. If you son is stopped or has an accident in a vehicle from which he was excluded the insurance company will not cover him. He will also be cited for driving with out liablity coverage which can be tremendously expensive. Since we couldn't say that our eldest would NEVER need to drive one of ours, we just chose the 'principle driver' route. The youngest of driving age hasn't proved responsible enough for a DL yet... so she's not a problem... yet.
but the best place to answer this question is your Insurance agent. If you current insurance company won't give you the rate you are looking for ... shop around... you might find a better deal for all of your coverage!
Yes, all scheduled drivers are assumed to have access to any of your covered vehicles and coverage is afforded regardless of which of your scheduled vehicles they are driving on any given day. All drivers on your insurance policy are automatically covered to drive all of the vehicles listed on your policy. Insurance companies don't insure you or your other scheduled drivers to drive only one of your scheduled vehicles. This is because as a permitted driver they are assumed to have access to any of the scheduled vehicles when needed. Even though each of your covered drivers may primarily drive a particular vehicle, they will need to drive one of the others if their preferred vehicle is inoperable or does not suit their needs on that particular day.
All drivers are required by law to carry proof of Financial Responsibility. So if you are an insured driver under the terms of the Auto Insurance Contract then you are covered to drive it. If you are not an insured under the terms of that policy then you are not covered. Remember, Vehicles do not drive themselves and vehicles do not carry insurance, People do. Auto Insurance Is to cover the losses and legal liabilities of the Insured.
I believe I understand the meaning of your question and yes the child will be listed to be covered to drive all vehicles in your household. Most insurance companies write one policy for all vehicles in the household as well as all drivers in the home as well. When you provide this information along with the information as to who drives which vehicle mostly. The result of this will be that the vehicles will be rated based on who drives them the most and how far they are driven to school or work. All drivers will be covered to drive all vehicles but the more expensive young drivers will only be rated on the vehicle that they drive most of the time and will not increase the premium of the other vehicles in the home. This gives you the ability to have them drive any vehicle if it becomes necessary for them to drive one of the others if necessary but no increase in premium will occur for short term situations where a young may need to drive another vehicle. Only if it looks to become a long term occurance does it need to be reported to the insurance company.
The Transaxle refers to the combination of transmission and differential that provides power transmission in all modern front wheel drive vehicles, as well as front power in AWD (not 4WD) vehicles, as opposed to the separate transmissions and differentials that are generally used on rear drive vehicles.
"Fleet Policy" rules are defined by the insurance company. Some common rules:Drivers must be employed by the company to be covered (some exceptions are possible)All Drivers to be covered must supply a Drivers Record for reviewThe insurance Company will have final decision on what drivers will be permitted to drive company vehiclesIt is possible to get Fleet coverage on Loaner vehicles for repair facilities, but it is silly expensive.It is possible for a Repair shop to have a Fleet policy that covers customer vehicle's.
IF a driver has been excluded on a policy, they are not allowed to drive any vehicles covered on the policy. If they do drive the vehicles, no coverage of any kind will be afforded for any claims arising out of their driving the car. Then he will also get a ticket for driving without insurance because he has no insurance when he is the driver. No coverage at all for anyone including the other party that he hits will be paid. The policyholder has signed a legally binding statement to this affect and that he knows that this is the case and agrees with it.
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