My daughter does not drive my car she has her own that her dad bought her. why do i have too add her to my policy just cause she lives with me?
Total Comments: 2
Posted: Fri Sep 21, 2012 12:55 pm Post Subject:
Sometimes if you can show that she has her own insurance than the insurance company won't require it. But the reason why they ask that she be listed on your policy if she lives in your home is because she _will_ drive your vehicle.
Posted: Mon Sep 24, 2012 11:56 am Post Subject:
You can always EXCLUDE your daughter from your coverage. But that could be pennywise and pound-foolish.
As tcope said, as long as your daughter is living in your home, she has access to your vehicle(s) (the same as you do to hers). There is very likely going to be a point in time when she needs to use your car -- "I have a job interview in an hour and my car has a flat tire. Can I take your car, mom?"
If you exclude her as an insured driver, even though you give her permission to use it, if she is involved in a collision, you will have $0 coverage. Are you certain her insurance is in force? What if she lets her friend drive your car without your knowledge? Her insurance will not cover that, and if her friend has no insurance, you may get stuck with the bill as the owner of the vehicle.
By excluding her, you open yourself up to the liability for damages she causes with your vehicle (even if her insurance covers some of the claim -- what if she kills or seriously injures someone, and her coverage is insufficient to pay for all the damages?) -- which means the money comes out of your pocket, and on top of what you paid for insurance. Because the claim is not covered, the insurance company has no responsibility to provide you with a defense at its expense.
Would you be willing to lose your home because you didn't want to pay a few hundred dollars to insure your daughter? What is your home worth? Does that kind of trade-off make sense to you?
The few dollars (relatively speaking) that it takes to add your daughter to your policy, as long as she is living with you, is worth every penny when it comes to peace of mind you would have knowing that you (and your daughter) are covered.
Posted: Fri Sep 21, 2012 12:55 pm Post Subject:
Sometimes if you can show that she has her own insurance than the insurance company won't require it. But the reason why they ask that she be listed on your policy if she lives in your home is because she _will_ drive your vehicle.
Posted: Mon Sep 24, 2012 11:56 am Post Subject:
You can always EXCLUDE your daughter from your coverage. But that could be pennywise and pound-foolish.
As tcope said, as long as your daughter is living in your home, she has access to your vehicle(s) (the same as you do to hers). There is very likely going to be a point in time when she needs to use your car -- "I have a job interview in an hour and my car has a flat tire. Can I take your car, mom?"
If you exclude her as an insured driver, even though you give her permission to use it, if she is involved in a collision, you will have $0 coverage. Are you certain her insurance is in force? What if she lets her friend drive your car without your knowledge? Her insurance will not cover that, and if her friend has no insurance, you may get stuck with the bill as the owner of the vehicle.
By excluding her, you open yourself up to the liability for damages she causes with your vehicle (even if her insurance covers some of the claim -- what if she kills or seriously injures someone, and her coverage is insufficient to pay for all the damages?) -- which means the money comes out of your pocket, and on top of what you paid for insurance. Because the claim is not covered, the insurance company has no responsibility to provide you with a defense at its expense.
Would you be willing to lose your home because you didn't want to pay a few hundred dollars to insure your daughter? What is your home worth? Does that kind of trade-off make sense to you?
The few dollars (relatively speaking) that it takes to add your daughter to your policy, as long as she is living with you, is worth every penny when it comes to peace of mind you would have knowing that you (and your daughter) are covered.
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