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from A Texas General AgentYes, They can do that, but only if you fail to declare him as driver or exclude him from coverage. You can still avoid having him on your policy by excluding him from your policy after the fact. Just complete a form 515A to exclude him from coverage. After filing the 515A with your insurer they are no longer allowed to place him on your policy nor charge you for it. They will also not be responsible if he subsequently has an accident in your vehicle. Since he already has his own insurance and the liability portion of an auto policy will follow the driver to a loaned vehicle, this should not be a problem, so long as he keeps up his payments on his own policy.

Many Insurers and Insurance Agents will not voluntarily disclose this information to you though. This is because Insurance agents work on commission, the larger your insurance bill, the more they make, any percentage of 2 dollars is more than the same percentage for 1 dollar .

Quite naturally having a 19 year old new driver on your policy will send your payments sky high. So they will always advise you to leave him on your policy and try to convince you it is for your own protection.

Most young male drivers will eventually suffer a loss of some type whether it be major or minor. Should they be driving on your insurance policy when this happens, Your premiums will increase accordingly for the next three to five years. again the more you pay the more they make.

If your insurer refuses to provide you with the necessary exclusion form, You should report them to your State Insurance Department as this would be considered an unethical practice and a means of gouging the public. I would also advise you to find another Insurance Company if you determine unethical practices on the part of your insurer.

I always advise my customers to place newly licensed young drivers on a separate policy of their own. This is to protect you, the Parent from unacceptable rate increases on your policy.

Yes, an insurance company will always want all the family members living in the same house on the policy, because it is their belief that eventually, there will come a time, when the son or daughter has to use the car just for one errand, and if they get into an accident, the company is going to immediately deny the claim. So, this is not only for the insurance company's protection, but yours as well since you would be stuck with the bills after they deny the claim. Any more questions, email me at sjinsurance@gmail.com Sean IL Licensed Insurance Producer

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โˆ™ 2015-07-16 18:07:02
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Q: Is it legal for your auto insurance to add your 19yr old to your policy as a secondary driver knowing he owns his own car and has his own insurance?
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Related Questions

Who pays when driver is not the car owner but has car insurance?

Usually the insurance policy of the owner of the car is primary and then if the driver of the car has a policy of their own then it is secondary.


Can insurance be cancelled because of secondary driver?

Yes,, Any driver who does not meet the insurers underwriting guidelines can result in the entire policy being cancelled.


Your adult daughter has auto insurance and is gifting you her car you have a car and insurance She lives with you Do you have to put her on your insurance policy?

As long as she has her own policy on her own, it would not affect your insurance in the sense of premium or the need to have her insured on your policy. However, most auto insurance company want to have her listed as a driver in the household since she lives with you. The policy actually follow the vehicle and not the driver. If she was to drive this vehicle and get into an accident, your policy would be the primary and her policy would be secondary.


If you and a spouse have different health insurance but have never designated one as primary or secondary could this cause problems when you do designate primary or secondary?

If you have insurance through your employer, and you are the policy holder,(the insurance is in your name) this insurance will be primary for you, and your spouses insurance policy will be secondary. The insurance policy thru your spouse's employer, (your spouse is the policy holder, or the insurance is in their name), this would be primary for your spouse, and your policy would be their secondary. Here's the phamplet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf


Can you have a secondary beneficiary on your life insurance?

Yes, you can have a secondary beneficiary on your life insurance policy. If the primary beneficiary is no longer living when you pass away, the secondary beneficiary would receive the proceeds from your life insurance policy.


When a primary insurance only covers 50 percent what would secondary insurance cover?

What does the brochure or policy Evidence of Coverage for the secondary policy say?


Does insurance cover a minor driver who is not on your policy?

If they are not on your policy then they are not covered.


How much does it cost to add an occasional driver to your insurance policy?

It really depends on what your insurance policy is.


What are types of beneficiaries of an insurance policy?

Primary and Secondary


Which of types of beneficiaries in an insurance policy?

primary and secondary


How are primary and secondary insurance determined?

It is usually written in an insurance policy if the policy is primary or secondary. If both policies have language that makes them secondary if other insurance is present then they may split the amount owed. State laws may change this.


Can you designate which of your insurance is secondary and which is primary?

Secondary medical insurance is a second level of insurance coverage. Under most circumstances, the two policies are independent of each other. One policy may pay for a service while the other may not. The primary policy must pay first, then the secondary. The choice of which policy is primary or secondary is established by a shared rule between insurance companies. It is not the policy holder's choice.Examples of Primary/Secondary coverage: A husband and wife both work and carry the medical insurance offered by their respective employers. The husband adds his wife to his policy. The wife adds her husband to her policy. Under most circumstances, the husband's plan would be his primary policy and his wife's plan would be his secondary policy. In like manner, the wife's plan would be her primary policy and her husband's plan would be her secondary policy.


Do you need a car to get insurance?

It doesn't make sense to keep auto insurance without a car anyway! If you do get hurt in an accident where the other driver is at fault, their insurance will pay for the damages. However if you plan on driving someone else's car, make sure you are added on their car insurance policy as a secondary driver.


Do you have to be added to your parents insurance policy if you are primary driver of one of their vehicles and you have insurance policy of your own?

yes, simple as that.


Where can I find information on new driver insurance?

You can get information related to young driver insurance at compare market insurance.


Who is responsible for a accidents costs the owner of the car or driver?

the accident is cover by insurance if the driver did not have insurance but the owner dose then it should cover for uninsured motorist if the driver was not a excluded driver of the vehicle a excluded driver is like a relative that lives the the policy holder but is not on the policy as a driver


If one is the primary driver for the car in terms of insurance but does not possess the title for the car is the insurance valid?

It is if you are listed on the policy as a driver.


Can a 23 year old as a licensed driver be covered on parent's auto insurance policy?

Sure, The policy owner can add any driver to their auto insurance policy, In fact, If you are a regular driver the owner is required to disclose such and list you as a scheduled driver, otherwise the insurance company could deny coverage in the event of an accident involving an unscheduled driver. It does not matter if your related or not.


What companies do car insurance for a learner driver?

Several companies offer car insurance for learner drivers including the AA, Aviva and City Insurance. If the learner driver is going to be learning in a car owned by a qualified driver with their own insurance policy it may be possible to add the learner driver to that policy for a nominal fee.


Can you add a driver to your car insurance?

yes ,you can add driver's name in your insurance policy.


Can you have a car loan in your name and someone else carry the insurance on the car?

Your name must be on the insurance policy, otherwise you are not a covered driver under that insurance policy. Failure to disclose a known driver can void any coverages afforded by the policy and is a well known form of insurance fraud.


How do you get medicare as your primary insurance if you have horizons select as your primary you want to change?

You cannot decide which insurance is primary and which is secondary. Their is nothing you can do to determine this. Within each policy it specifies when each policy is primary or secondary. With Medicare, it is always going to be secondary to insurance provided by an employer or retirement plan.


What is secondary insurance?

Secondary medical insurance is a second level of insurance coverage.Under most circumstances, the two policies are independent of each other. One policy may pay for a service while the other may not. The primary policy must pay first, then the secondary. The choice of which policy is primary or secondary is established by a shared rule between insurance companies. It is not the policy holder's choice.Examples of Primary/Secondary coverage: A husband and wife both work and carry the medical insurance offered by their respective employers. The husband adds his wife to his policy. The wife adds her husband to her policy. Under most circumstances, the husband's plan would be his primary policy and his wife's plan would be his secondary policy. In like manner, the wife's plan would be her primary policy and her husband's plan would be her secondary policy.Secondary insurance should not be confused with supplemental insurance. Supplemental policies usually abide by the primary insurance guidelines. If the primary allows the charge, the supplemental will allow the charge. Most supplemental policies cover the charges you would normally pay out of pocket. For example: A Medicare supplemental policy would cover the 20% coinsurance left over after Medicare pays 80% of the allowed amount.


Can the driver at fault file a claim to his own insurance for bodily injury under his uninsured motorist portion of his policy if he was driving a friend's vehicle who had no insurance coverage?

No. Insurance follows the vehicle primary, driver secondary. Since the driver is at fault and there is no coverage under the vehicle itself, the drivers policy would pay for any bodily injury or property damage he may have caused. Therefore uninsured motorist coverage would not apply. The only way that driver would have coverage for himself is if he already had Med Pay coverage on his own policy.


What does excluded driver mean on policy?

One of my family members was hit by a driver who carried insurance but was an "excluded" driver on the policy of the car she was driving. After talking to the other person's insurance company, an excluded driver is essentially equivalent to an uninsured motorist. That means that his/her insurance company will not represent them and that, if they are liable for the accident, your insurance company can go after them personally for the damages.