by Guest » Fri Jul 25, 2008 02:03 am
My daughter just got her license. Her father and I have joint legal custody, and her father is the custodial parent. We both live in Illinois and she does not have her own car. Her father and I have both added her to our separate insurance policies. My insurance agent says we both have to carry insurance for our daughter, but it seems unfair that we both have to pay the high risk insurance for the same kid. I'm wondering if this is true or if my insurance agent just wants to collect some extra money on my premiums.
Posted: Fri Jul 25, 2008 03:58 am Post Subject:
If she was not driving your car and was "rated" on a different policy I would not have to insure her on your policy. But rules vary from place to place and company to company. So I'll defer to some of the others on the board for their insight as well ....
Posted: Fri Jul 25, 2008 11:08 am Post Subject:
but it seems unfair that we both have to pay the high risk insurance for the same kid
But its on two cars at two different households right? If she is going to drive your car when she is in your home she either needs her own car or to be rated on yours...Posted: Fri Jul 25, 2008 11:52 am Post Subject:
But its on two cars at two different households right? If she is going to drive your car when she is in your home she either needs her own car or to be rated on yours
Right, otherwise you may end up with a denied claim if she wrecks your car while driving it without being named under it.
Posted: Thu Aug 07, 2008 04:22 pm Post Subject:
I think you both need to have insurance cover for your daughter as Lori has rightly pointed out ..
Posted: Mon Feb 15, 2010 06:36 pm Post Subject: Insuring new driver...
We all live in Caledon, Ontario but my daughter resides at a separate residence with her mother, common-law partner and his daughter. All 4 of them are licensed and there are 2 vehicles and a motocycle in their household. The common-law partner's vehicle is registered under his father. I reside with my wife. We have two vehicles.
My daughter just earned her license. How should she be insured and by whom? She will continue to live with her mother and use the vehicles there (motorcycle excluded) but when she visits us, she may wish to drive one of our two vehicles on occasion.
Can she have a rider type insurance that allows her to use any vehicle but gives her universal coverage?
Posted: Mon Feb 15, 2010 11:18 pm Post Subject:
How should she be insured and by whom?
Typcially, (assuming she doesn't have a vehicle that is 100% hers or that she drives daily) she should be a listed driver on 'a' vehicle (the cheapest one) in the household she resides in..In fact it's generally required that she be listed on one in that household or excluded.but when she visits us, she may wish to drive one of our two vehicles on occasion.
If she is NOT a resident of your household, and does NOT have a vehicle that is for her 'regular' use. Then in the event she would drive one of your vehicles with your permission, your policy should cover her. Just like if you allowed me to drive it. Let me ask you something..is she at your house for a scheduled visit the same day/time every week/two weeks/month..whatever? Or does she just come and go occasionally when she wants? If so how often would you say that she's at your house spending the night a month?
Can she have a rider type insurance that allows her to use any vehicle but gives her universal coverage?
Some states allow or sell a 'non-owner' auto policy...Not sure that this would be necessary or even available in your area. Auto insurance typcially follows the vehicle, meaning anyone you give permission to drive your vehicle is covered under your policy.Double check this with your agent...because what I'm telling you is how it works in the USA..Canadian auto insurance seems to run pretty closely, but again, I'm not an adjuster in Canada.
I found this pretty cool, video on the Ins. Bureau of Canda, that you might find helpful, (on right side under "borrowing or lending your car") says pretty much what I've said, if you lend your car on a 'regular' basis they have to be listed, if occasional..they do not..
http://www.ibc.ca/en/Car_Insurance/index.asp
It will come down to, how 'regular' a user she is...also, always remember that your insurance will be paying for any claims that arrise from her driving your car..
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