If your insurance policy says anyone who drives your car including family is covered why do you have to pay more for your teen to drive?
The terms of your auto insurance contract or policy between you and your insurer specifically require that you disclose and schedule all household drivers and all regular drivers of your vehicle on your policy. You are also required to notify your Insurer of any change in household drivers during the policy term such as when a teen begins to drive. This allows the insurance company to properly access the risk and assign the appropriate premium required to cover those risk.
Your policy states that all the those others are covered as an added protection for the policy holder. It is not unusual for circumstances to arise when you may give permission for a non scheduled driver to operate your vehicle whether they are a visiting non resident family member or other friends.
As an example, Your Uncle Joe comes to visit and you loan him your car for the day to go to the local ballpark. With Permissive use Uncle Joe is covered under your policy. Now if Uncle Joe decides to stay for good and takes up residence with you then things change. As a household member with access to your vehicle you are required to schedule him as a covered driver or exclude him from the policy.
When a vehicle owner loans his vehicle to another party he is accepting any liabilities jointly and severally that the permitted driver incurs.
So the language is not designed to allow the concealment of high risk teen drivers. Such concealment or non-disclosure of a known driver is considered a well known form of Insurance Fraud and can Void all policy coverages. The insurer through this language is trying to give you the broadest coverage possible. All they are asking is that you be honest about who's driving and cover them accordingly.
Because teens are more likely to have accidents. Since they increase the risk, insurance carriers increase their premium.
That's not true for all teens, of course, but the statistics about the driving habits of teens don't lie.
Want to reduce a teen driver's rates on your policy? Send him or her through driving school. Better yet, exclude him or her from your policy, and make the teen buy his or her own insurance. Bet your teen driver will be more careful, then (and with the job your teen gets to pay for insurance, you'll have the house to yourself more often).
If someone is driving your car and is not on your insurance and they get into an accident while they are drunk is damage covered to your car?
Car in your name but you can not drive and need auto insurance for people to take you places you need to go can you get insurance?
Generally speaking, just you. In the U.S. in most states, your insurance covers anyone who drives the car (in the insurance business, there is a saying, "When you loan your car, you also loan your insurance). However, if there is someone who regularly drives your car besides you, you may want to have them listed as a driver.
If a brother and sister are living at the same address in Massachusetts is his car covered by his collision insurance if she drives it?
If a minor has been removed from his parents' insurance since 'he never drives the car' is he covered if he is driving a friend's car?
Can you file an insurance claim if the power utility district drives over and over your 5 year old drain field to the point it malfunctions?
The drain field of a septic system can malfunction from many different causes. If it is damaged from the weight of heavy vehicles driving over it, there may be a covered insurance claim to file. The insurance company would pursue re-imbursement for their payment to you from the 'at fault' party (including your deductible) if they pay you for the damages. //
Do you need your own auto insurance in New Jersey when you only have a permit or are you covered under your parent's policy?
Most insurance companies cover a minor with a learners permit under the parents insurance because the minor drives while the parent is present. In the state of CO,CA, and WA. Your covered under your parents. Some states may have different laws, but I doubt it. Please check with your parents insurance company.
Yes. If the driver is not an insured, the uninsured driver can be ticketed even if the car itself is insured. In many U.S. states they will also impound the vehicle when it is found being driven by an uninsured driver. It is the responsibility of the vehicle owner to insure that anyone you let drive has appropriate coverage. Unfortunate there is a lot of misinformation out there from laymen that erroneously informs people that…
Does it make a difference in coverage on your policy if a resident relative has their own car insurance?
If your 21 year old daughter who is covered on your insurance policy drives another person's car is that owner's insurance liable in case of an accident or is yours?
Absolutely. Minor or not, your automobile policy requires that you notify the insurance company of any and all household members and anyone who drives your vehicle. Many times there is not even any additional premium to add drivers to your policy. The premiums depends on many factors including driver age, motor vehicle record, previous accidents, sex of driver, and other issues depending on the insurance companies rate structure. Be honest with your insurance company if…
I'm not sure what you mean by covered. She needs to be listed as a driver if she drives any of your vehicles. You cannot add her vehicle to your policy if that is what you mean. No one can add a vehicle to their policy if the vehicle is not titled in their name. The only exception is husband and wife situations. Whether or not you are adulterous makes not difference to the insurance…
If a wheelchair van owner has no insurance on their vehicle what insurance coverages are covered by the fully insured drivers own insurance if they are a caregiver of the owner?
Insurance follows the vehicle. If the owner of the wheelchair van has no insurance on it, and the person who drives it, has insurance on their own vehicle.... then the wheelchair van would still be considered an uninsured vehicle. Again, insurance always follows the vehicle. The driver who is not the owner cannot use his/her insurance to cover the wheelchair van because they have no 'ownership' or 'insurable interest' in the van.
Does a seventeen year old new driver need to be listed on your car insurance if she just occasionally drives your car in NJ?
If your parents put your name on their car insurance, that is you as a named drived you will be able to drive their car. This is often a cheaper way of insuring you to drive a car than having you as the person that takes out the car insurance. You will not be covered to drive other cars however. Their are some insurance companies now aimed at insuring young drivers which is something that…
If someone drives your car with your permission and has an accident who should pay for the items not covered by your insurance such as deductible and alternate transportation etc?
My son lives at school and comes home on the weekend and has his own liability insurance on his own car and he drives mine and has an accident which ins co pays?
Your auto insurance policy would cover this situation. Auto policies cover the automobile, not the driver. While it is true that there are "listed drivers" on auto policies, anyone that you allow to drive your car (and is legally able to), is in fact covered. It also goes back to the insurance concept of "insurable interest", meaning you must stand to lose something or suffer some type of loss to trigger coverage. As an example…
If your teen is a Licensed Driver and a member of your household or a minor ward and you have failed to disclose (Concealed Drivers Fraud) by adding them to your insurance policy, then she is not a covered driver under the terms and definitions of your auto insurance policy. However, Since parents are liable under the law for the acts of a minor child, Your insurance company may be required to pay for the…
How is one protected under car owners insurance when one drives and is in an accident with a party that does not have insurance?
If your daughter is not a resident of your household but is named on your insurance how involved ar you if she drives her boyfriend's car?
I'm not sure I understand the question. If her boyfriend has insurance, then she is covered under his policy as long as she had permission to drive his car. As far as your liability if she has an accident, it all depends on the extent of the accident and if a law auit is filed for more than her boyfriend's policy limit. Then there could be potential to attack your insurance policy which names her…
You will have to add him to your insurance. He will be under your name and your premium will go up! if you don't do this the insurance company may look the the DMV to see how many licenses are registered under your home address, then they will call and ask if he is insured. so it's better to just go and tell them to add him to your policy.
Does Granddaughter not live with you anymore and not drive vehicle ever? If Granddaughter has moved into her own house and never drives any of your cars then yes you can drop her from your insurance. If she is still a member of your household or drives any of your vehicles then no you cannot taker her off your insurance.
Nonrated: Person is covered if they drive the vehicle(s), but generally not affecting the premium. (Usually this means they are a licensed household member, but they have their own separate vehicle and insurance policy) Excluded: Person is generally not covered if they drives the vehicle(s) on the policy and there is also no premium being charged for them. this is not offered by every company. Rated: Person is covered and they may affect the premium.
What is the effect on car insurance premiums for a first second and third offense for a minor who drives under the influence of alcohol?
Double check with your insurance agent, but I think you can. I believe you can add ANY licensed driver to your policy, although it may cost more. (Businesses, for example, frequently insure a lot of different people as drivers.) In some states you can also get an insurance policy that will cover anyone who drives your car, as long as they have a license. It just costs extra.
This is another case of where the CLUE system shows someone who gets their mail at your address. This simply gives the insurance company a reason to ask you if this person lives in your household and should they be listed as a driver on your insurance application. If the person never drives your vehicles then you just state this to company in writing and there is no charge for that person on your insurance…