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Why do insurance companies ask about the driving record for members of your household?
Wiki User
∙ 12y ago
To know the driving history, including traffic violations and arrests and convictions for driving related incidents.
Wiki User
∙ 12y ago
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Can you be on someone insurance policy with a suspended license as a non driver?
Most insurance companies allow household members can be excluded if their drivers license is suspended. By signing an exclusion form this means that there is no coverage at all if the excluded person is driving one of the covered vehicles and a claim occurs.
What companies sell car colission reports to consumers and insurance companies?
There is a company who supplies information to insurance companies called CLUE. This company gives insurance companies information on losses paid by all insurance companies and what type and amount of the claim was paid. CLUE also supplies companies with a variety of information. It gives information like people who had auto insurance at the same address as you have and people who were listed on insurance policies of you in the past like other household members or drivers.
Why do insurance companies ask if any other resident in your household has a drivers license?
This is done to let them know how many people on average might be driving. Also to know if someone suspended is living there. My policy listed myself as a 70% driver and other members living with me to each be driving 10% even though they held their own policy. This helps protect everyone in the case that there is an accident with a household member driving instead of the policy holder.
Which insurance companies offer discounts for military members?
Many insurance companies offer discounts for military members and veterans. The amount of discount will vary between companies. Contacting your relevant military headquarters administration would be recommended.
Where can one find information about comprehensive insurance coverage?
Many insurance companies offer this coverage. All insurance companies will give their members information regarding any coverage's that they provide.
Are children covered on your auto insurance?
They should unless you have excluded them. It is best to have all household members on your policy.
Is there a law that says you have to add your child to your car insurance?
Its probably not a law that you have to your child to an insurance policy but it may be part of the contract between the insured (yourself) and the insurance company. The application and policy make up a legal contract for your auto insurance. In this contract you agree to notify the insurance company of any and all drivers and household members and you agree to pay the premium. The insurance company agrees to pay claims for the coverage you purchased and to defend you in court should the need arise. The reason the insurance company wants to know about your child (all household members) is because if you are in an accident they need to know how many people from your household may be in the car so they can charge enough to cover the medical expenses of all insureds. Insurance companies are regulated state by state so your state may have different rules as to what the insurance company can require to sell you an insurance policy.
Why is your boyfriend's car insurance company asking for a copy of your own car insurance declaration's page and drivers' license number and date of birth and name?
Because they have found that you both are at the same address and your boyfriend has not scheduled you as a covered driver on his insurance policy. All auto insurance contracts require disclosure of other household members and that the insured declare these other household members as covered or not.
Why a family member is resticted in auto insurance?
Some insurance companies will require policyholders to sign a driver exclusion for family members if you claim the individual does not drive your vehicle. If the insurance company has previously paid a claim for an unlisted driver, they may require that you list the driver on your policy or sign a driver exclusion that restricts that driver from driving your vehicle. If a resident of your household has tickets and accidents and is not rated on your policy, the company will require a driver exclusion to prevent increasing your policy if they are rated.
Where can a person find ratings for life insurance companies?
You find good ratings for life insurance companies in discussion zones where members of the companies write their opinion. In the internet there are also sites, where the people can make a direct rating for the companies.
Are you covered on a family member's car insurance?
Yes you are covered on a family members car insurance if you are driving a vehicle owned and insured by them.....
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.
