by qinzhang6 » Tue Dec 01, 2009 10:17 pm
My daughter is far away for the college. She doesn't need to drive at the big city and plus she has no car for drive at all. We'd like to remove her from our insurance but insurance company won't let us. The reason is she may drive our car when she visit us. I don't think this will be case. Although she is top student at high school and does things carefully, we still don't let her to drive in any place without insurance. Why every body who has drive license has to be covered by insurance policy even she/he doesn’t have car and doesn’t want to driving?
Posted: Tue Dec 01, 2009 10:30 pm Post Subject:
I doubt your carrier can _make_ you insure someone. They could refused to renew the policy though. Are you sure your just not being pressured into leaving her on the policy?
Posted: Tue Dec 01, 2009 10:40 pm Post Subject:
They just want us to keep her on the policy and pay extra money even my daughter has no car and doesn't like to drive. I was told the only way that we are allowed to remove her from our insure policy is to return her drive license to approve that she has no opportunity to drive. However, she needs drive license to take air plan or use it as ID.
I am just confusing by this. is there any alternative way to help me out?
Thanks
Posted: Tue Dec 01, 2009 10:45 pm Post Subject:
A person can obtain a state ID without having a DL. Your carrier probably has a valid point... if she is never going to drive then why does she need a DL? My guess is that a DL means a person _is_ going to drive a vehicle and if she drives your carrier may need to provide her coverage even if she is not listed on the policy. Your carrier is not willing to offer that coverage without collecting a premium. I'm pretty sure that is why but I don't know for sure.
Posted: Tue Dec 01, 2009 11:00 pm Post Subject:
My point is if she is not in coverage policy, why does my car insurance need to warry about to pay any possible accident for her late. It is just the similar to medical insurance. If people have no medical insurance, medical insurance won't cover any medical bill. The medical insurance has no right to force people to buy medical insurance, right?
My daughter will not drive during her college period. She may drive after she gradulates from the college. If she find job during the summer time and need to drive again, we certainly will add her to our policy for sure. I don't think we will let our daughter to drive without insurance. I don't think any parents will do that as I know.
I just thought something is not right.
Posted: Wed Dec 02, 2009 12:00 am Post Subject:
I'd say the only way (if this) you'll get out of this is to exclude her completely from your policy...however, if you do this she can NEVER EVER drive your car...
My daughter will not drive during her college period...
I'm sorry, but my "babies" are 31 and 28 years old...even 'good' kids, make bad decisions some times...that's what kids do....another thing to consider, is let's say she drives a friends car, (for whatever reason) and of course with their permission...then an accident happens, that is her fault and well her 'friend' just happen to forget to pay their premiums...if she's insured under your policy it will come in (secondary to any coverage on the vehicle) and pick up the claim. Perhaps saving her from a life time of paying back a huge judgement...something to think about...I've two grown children...and all in all very good kids..but...they were kids...Posted: Wed Dec 02, 2009 12:10 am Post Subject:
The point is, that it's not the same as health insurance and not being listed means no coverage. If she is claiming your address as her home address then there is a possibility that your policy may legally need to provide her coverage... even is she is not listed as a driver. I'm not saying that this _is_ the case... only that it certain is a possibility and I've seen things like this happen before. It certainly would be true when she comes home and drives the vehicles listed on your policy.
What about when a friend lets her drive a vehicle without you knowing and she causes an accident. As her parents you are responsible for her actions. Can you afford to pay tens of thousands of dollars out of your pocket for any damage/injury she causes?
Now before you claim that she won't be driving... the questions is... then why does she have a drivers license? Last I checked they are issued for one reason... so someone can drive a car. If she won't be driving then have her surrender her DL and get a state ID.
Posted: Wed Dec 02, 2009 01:33 am Post Subject:
I see your point. Actually, my daughter doesn't mind to surrender her DL if any other ID can be used as authorized ID that can be used for airport and other needs. I just feel uncomfortable to force people to buy car insurance policy which is simply because people have drive licenses although they are not driving and don't want to drive. To me, car insurance coverage policy shouldn’t base on the drive license but actually driving. Plus I didn’t know there is STATE ID that can be used as certification; I thought it is so inconvenient without DL. .
I guess the STATE ID is the best and easiest way to resolve my problem. Thanks for your quick responses.
Posted: Wed Dec 02, 2009 03:40 am Post Subject:
By the way, do you know wher to get STATE ID?
Thanks
Posted: Wed Dec 02, 2009 11:37 am Post Subject:
Your local DMV
Add your comment