Do I have to place my son on my auto insurance?
Question:
Answer:
My mother was told the same thing by Geiko when I got my license. She had to sign a waiver stating I wouldn't drive any of the covered vehicles to keep from adding me. A few years later when she wanted to add me they wouldn't let her and she switched insurances.
well, call ur company and tell them your son is driving your car and you need to add him as a driver . .
All licensed drivers living at your address must be on your auto
insurance...I live in Houston.
If there is a prob, the insurance company could try to screw you if hes not on th ploicy.
only if he has a permit, if he has a lisence he needs insurence.
If your son will be driving the car it is best to put him on your insurance...just because so and so was able to get away with it doesn't mean you will. Better to be safe than sorry!
It probably depends on your state. But you need to include all licensed drivers in your household who don't have their own insurance. Make sense?
ya and no if u do its better cuz if u dont some1 will hit him and they will drop u trust me
Uninsured motorist coverage pays for damage to your car if you are hit by an uninsured motorist, not if you let one drive your car.
Uninsured motorist clause is for those that are involved in an accident with you and THEY are not insured. You have to put your child on your insurance if they are driving.
If your son wrecks the car and you file unisured motorist, that is insurance fraud. This will cause everyone's insurance to go up because you are trying to beat the system, not to mention cost you a fortune in the end. Add your son to your insurance policy if he will be driving.
If he would cost more in insurance premium for adding him that will be a problem if you don't and he has an accident. The insurance company may refuse to pay for the accident (they love to be able to do that) and you could be out big bucks in damages and lawsuits fro the other driver.
yeah if he is driving. the agent is going to find out who has a license in your house when they check your address
You should but your right it will cover if there is an accident but than you have to add them on the policy I was 16 and driving my boyfriends car someone hit me and his parents had to add me to the policy
I have never heard of "under insured motorist" There is a thing call uninsured motorist insurance which covers you if you have a wreck with someone who does not have insurance and the accident was their fault. Yes, if your son wants to drive your car legally, he needs to be placed on your policy, Trust me.this is for YOUR protection!!
You have got to put any driver that will be driving your vehicle on your insurance. Or you will not be covered if they wreck your vehicle. If your kids don't drive yet do not worry about it.
ok, just going through this since my son just got his permit. I asked my insurance agent why since I have uninsured coverage. She told me that if it was only once in a while (like a friend or relative that normally wouldn't drive the car, that also does not have car insurance themselves) its ok but if you have someone living in your house (like your child) they assume he is driving on a regular bases. (even if they are not). She told me that if he were to get in an accident and he was not on the insurance as a driver the insurance company would not cover the accident.
You're confused about uninsured/under insured motorist coverage.
This is coverage for you should the other person that is involved in the accident with you NOT have any insurance then your insurance would step in and cover you for the accident.
This is not coverage for persons driving your vehicle with your permission.
You should list your son as a driver on the policy since he lives with you and has access to driving your vehicle. This will of course increase your premiums unless you want your son to purchase separate insurance under only his name. Driving is a privilege and your son should pay for his own insurance if he wants to drive your vehicle.
If its a driver, it must be on the insurance, especially a teen driver.
I forget the demographics, but outside of drunk drivers, nearly all accidents are caused by teen drivers in their first two years of driving. Insurance companies know that. You probably know they know that.
Im guessing that you are guessing that your rates will skyrocket when your son is added to your insurance, and they will. It may raise your rates by as much as $200 per month and who likes that?
My question to you is, if your insurance is going to charge you $200 per month for your son if they know about him, why would they build a legal loophole so you dont have to tell them about him. If he drives he has a potential to cost them a lawyer, which is $15,000 to talk and $500 per hour for his labor AND he has the potential to cost them a hospital visit of someone, which is $2000 to sit in a room and $500 to see a doctor for 5 minutes so its at least $18,000 for his first real accident. It doesnt make sense, from a business perspective, does it?
Only if
1) he lives at home, and
2) he is a licensed driver.
The person who is telling you they are covered under uninsured coverage is not correct.
There are some state-to-state vaiations, but here are the basics. Underunsured or uninsured motorist coverage applies to situations where you are involved in an accident with someone ELSE who has insufficient or no insurance. It doesn't apply to a family member who drives your car and gets into an accident with it.
You need to get any family member who will be driving the car properly listed on the policy...otherwise your insurer can and will deny any at-fault claim involving that person...meaning you will have to pay for the damages yourself.
Your friend's experiences were likely different; that is, the circumstances of the accident were such that the claim was covered...but the underinsured coverage likely had nothing to do with it.
That someone is wrong.
Under insured and uninsured kick in if someone hits you (and you get hurt) with no / not enough insurance.
If you want them covered, you need to list them as a rated driver.
If you do not wanted them covered, you need to listed them as excluded (which means, they live with you and have NO coverage)
Not really from the stand point of underinsured motorist, but in general, especially under your liability coverage, if you have someone who lives with you or will be a regular user of the vehicle, you have to add them to the policy. This person has a "risk" level and the policy must be rated for it. When you talk generally about letting someone drive your vehicle (a one time thing or once in a blue moon) you don't need to add the person to the policy. And yes, if the person has your permission then there will probably be coverage if an accident happens while that person is driving. I am not really sure how the underinsured motorist part of this figures in, or if you mean uninsured motorist. But if you know a person who lets her kids drive and the kids are not on the policy, eventually the policy will be reviewed, they will see that the kid or kids have driven at least enough to have 2 accidents and obtain the info needed to add them as a driver and rate the policy accordingly.
If you have a child who will regularly be using the vehicle you should put him on the policy.
The answer is Yes your son needs to be added to the policy if he lives in your household or if he is going to drive any of your vehicles more than the permissive use guidelines of your insurance company. Now for the definition of uninsured and under insured coverage: Uninsured coverage covers any bodily injury you or occupants of your vehicle may incur if you happen to be involved in an accident with somebody who does not have insurance and they are at fault. Under insured coverage gives you additional coverage for you and your vehicle occupants provided you are injured and your bills exceed the coverage of the person at fault carrys(ex. state minimums in Texas are: $20,000 per person and $40, 000 per accident) If you carry under insured coverage (which I recommend only if you carry higher than state minimums) you will have additional coverage up to your limits (ex. you are carring liability limits of 100,000 per person and 300,000 per accident) your insurance company will pay the difference of the bill up to your limits
Uninsured and Underinsured coverage is not for you, or anyone driving your vehicle. It is for the other party that is injured or suffers a loss that is considered your fault.
You technically need to add your son if he is a dependent child and member of your household. Especially if the insurance company knows about him. If he has a license the insurance company will require it, and even if he had a license but has lost if for one reason or another, they will likely require he be added as he is a risk and has the ability and the knowledge to drive.
If you are absolutely against it, I believe TX does offer what is called a Named Driver Exclusion. He is excluded off the policy and will absolutely not be covered under any circumstance. Insurance companies for some reason are very reluctant to offer this, but in reality it takes their greatest risk and concern out of the picture and makes them not liable for his actions.
If you don't want your insurance company to end up cancelling you then you need to add your son. Underinsured motorist comes into play when someone hits you but doesn't have a high enough limit to cover your damages. It has nothing to do with your son driving.
I don't understand the last part about the 3 kids and 2 cars thing.
More Questions & Answers...