by Guest » Wed May 27, 2009 11:36 am
Can I stay covered under my mom's policy when I'm studying away from home? I'd visit her on holidays and may drive her car too at that time. But I'm worried if her insurer would cover me if I cause an accident where I stay now.
Posted: Wed May 27, 2009 05:27 pm Post Subject:
Non-responsive reply.
...so I Googled lilpinkfrock cause being a guy I'd like to know what a lilpinkfrock IS?
I think this post demonstrates that I simply have too much time on my hands.
Posted: Thu May 28, 2009 02:17 am Post Subject:
Hi OP, welcome to the forum. Don't mind Spicuzza, he's just being onery.
The answer to your question is yes. You can remain on your mom's policy and be covered when you are home. I would refrain from removing you from the coverage as you will be driving the car. I have a similar situation going on with two of my kids away at school without cars. Now, my kids have cars at home but they didn't take them to school with them. Something about $500 a month in parking fees...
Now, there are a number of insurance companies that offer an "away at school" rate if you're more than "x" amount of miles away from home. With my company- if the kid's at least 100 miles away from home and enrolled as a full-time student, they get a lower rate. Significantly lower in fact. When they come home, they're covered, but I don't have to pay for the "away at school" time. Saves me a fortune. Check with your mom's agent about this.
Bottom line is that you can still easily be covered, but you need to talk with the agent to find the best way to accomplish the goal.
InsTeacher 8)
Posted: Thu May 28, 2009 05:02 am Post Subject:
Bottom line is that you can still easily be covered, but you need to talk with the agent to find the best way to accomplish the goal.
Okay, Thanks Teacher :)
However, though I am not taking the car with me I'd be driving friend's cars time and again. My concern is whether or not the insurer would cover damages if I cause a wreck. Would they be able to deny the claim then stating that the insured wasn't residing in the same HH?
Also, if I put-up with my uncle, does he have to include me in his policy, or, I can remain covered in my mom's policy and drive his car?
Posted: Thu May 28, 2009 05:10 am Post Subject:
Regular use of a friend's car would normally require that you be added to the policy covering the vehicle. Infrequent use would require the owner of the policy giving you permission to drive the vehicle, and this is only if the policy on that car covers what's referred to as "permissive use." Most policies allow for this, but certainly not all. Best to check with the insurance agent who placed the insurance on your friend's car.
Remember this saying- "insurance follows the vehicle." This means that any applicable insurance covering the car you're driving would be the primary provider of insurance. Coverage under your mom's policy would be considered secondary, and only if it allows for that coverage. Again, most policies do, not all.
Finally, living with your uncle. This would normally require that you be insured under his policy, as most better policies require that "all licensed drivers within the household" be named as insured's under the policy, unless specifically excluded by endorsement. Again, talk to your uncle's insurance agent.
I hope this answers your questions. I also hope these agents that I've directed you to speak with know what they're talking about! :wink:
InsTeacher 8)
Posted: Fri May 29, 2009 08:21 am Post Subject:
Can one be at two different auto policies at the same time? If the person gets into an accident which policy would respond to the damages?
Posted: Fri May 29, 2009 09:27 am Post Subject:
Awestruck, I doubt why anybody will look for both the coverage.but still the policy whose claim is never used can be asked for the payment. :arrow:
Posted: Fri May 29, 2009 12:58 pm Post Subject:
Can one be at two different auto policies at the same time?
Yes. Say an individual 'X' has 2 cars, he can get separate policies for both and can be on both the policies. Again, if two completely separate entities wish to list X on their respective auto policies, they may gladly do so.
Now if X wants to purchase 2 auto insurance policies for the same car, this might be a problem. Firstly I think this cannot be done. And secondly even if X purchases the policy from separate companies he can make auto insurance claims from only one. I think it would be stupid to get 2 policies for one car.
Add your comment