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In NY do all licensed members of the household need to be listed on the household insurance policy?
Wiki User
∙ 14y ago
The only persons that would be listed on the homeowners insurance is the home owner (s). All family members and their personal property is automatically covered. If it was a "live in" situation such as boyfriend/girlfriend the non-owner is generally not covered and would need to buy their own tenants policy. Check with your agent, claims department or read your policy.
Wiki User
∙ 14y ago
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Does your foreign wife need to be added as a driver to your auto insurance?
All members of the household need to be listed on the policy, if she is not licensed then she will need to be listed but excluded.
Does your auto insurance company have to cover your son's accident even if he's not listed as a household driver?
No he have to listed as a second third or household driver for being cover by insurance
Can anyone b on your homeowners insurance?
A homeowners insurance policy should be in the name of the owner(s) of the property as listed on the property deed. Also considered to be insured under the policy are all household residents. Children who are immediate family members and who are temporaily away at boarding school or college are still members of the household.
Would my insurance cover if somelse in my house drive my car?
Yes. As long as you have obeyed the terms in your policy and you have all members of your household listed on your policy. If you have not listed all household members on your policy as drivers and have not paid the required premium for that person why would you think that the insurance company should pay the claim. You have lied to the insurance company and therefore voided your legally binding contract by means of material misrepresentation. Most likely if they find out the person will be listed as a driver and you will probably have your policy cancelled.
If your spouse was not listed on your policy and had an accident in your vehicle that has full coverage does your policy cover repairs on it?
Your auto insurance automatically covers all family members that live in the household. However, by not listing your spouse as a driver you have not disclosed all the licensed drivers in the household, which is one of the questions on the application. Since the premiums you have paid did not reflect all the correct information, the insurance company may back charge you premium for not having him/her on the policy.
If you have a licence but do not drive can your insurance company make you pay in Pennsylvania?
If you are a listed driver on an insurance policy then your characteristics will be considered in the rating of the insurance policy. Under some circumstances a listed driver will have very little if any impact on the premium. In other cases a listed driver will impact the premium significantly. Many insurance companies require that all licensed drivers in a household be listed and proper premiums be paid or excluded, in writing, from coverage. If you decide to exclude a licensed operator then there would be no coverage for that person on the insurance policy. I personally know of a situation in which an excluded person was allowed to drive the car to church on Sunday. There was an accident and all coverage was denied by the insurance company.
Will insurance cover if borrower doesnt have a drvers license?
If you are listed as a covered driver on the Insurance Policy then yes they will pay the claim whether you are licensed or not. Most Insurers will not offer you an auto insurance policy to begin with if you are not licensed but some will.
If your 19 year old son lives with you and does not have a license and does not drive your car do you have to put him on your car insurance?
Insurance companies may collect information on all individuals living in your home but the rates will reflect drivers only. Further, most insurance companies will require all licensed drivers in the household be listed as a driver.
Can you have two names on car insurance policy?
Yes, all household operators should be listed.
What is the Age limit for children on parents car insurance if living in household?
In Texas all drivers living in the household must be listed or excluded.
Do you have to add a licensed family member to auto insurance policy?
You usually have the obligation to list all household residents and regular drivers on your insurance policy. If we are talking about your Grandparents who live in another state and never drive your can then no. If it is your sister who lives with you and borrows your car occasionally then yes she must be listed as a driver.
Can someone put your car on their insurance policy without your permission and without you being listed as a driver?
Who knows. Even if they do, you have no insurance coverage and they have wasted their money. The insurance company can not and will not pay any claims arising out of any incidents with a vehicle that does not belong to to the policyholder. Purchase your own insurance. It is a legally binding contract in which you state that you own the vehicle and that you have listed all household members and/or drivers and that you agree to notify the insurance carrier of any changes to such.
