by Guest » Wed Jun 06, 2012 09:11 am
I have heard that the licensed drivers in a household need to submit an affidavit, claiming that they have their own auto insurance. I have my own brother who has a license, but is not registered under my auto insurance policy. I have the following queries:
1. Will my insurer sue me if I don’t provide the affidavit in writing?
2. What if he gets involved in an accident with my car? My insurer can deny coverage, since he’ll be considered an ineligible driver. Is it possible that they’ll pay for the damages, and then sue me for reimbursement?
3. If the other party involved has an UM/UIM coverage, he/she can make a claim against his/her policy only. Will his/her insurer sue me for the reimbursement, later on?
4. What if the other party doesn’t have the UM/UIM coverage?
5. I have heard about the term ‘casual driver’. How can that be of any help in this type of situation?
I urgently need advice, Thanks in anticipation.
Rose
1. Will my insurer sue me if I don’t provide the affidavit in writing?
2. What if he gets involved in an accident with my car? My insurer can deny coverage, since he’ll be considered an ineligible driver. Is it possible that they’ll pay for the damages, and then sue me for reimbursement?
3. If the other party involved has an UM/UIM coverage, he/she can make a claim against his/her policy only. Will his/her insurer sue me for the reimbursement, later on?
4. What if the other party doesn’t have the UM/UIM coverage?
5. I have heard about the term ‘casual driver’. How can that be of any help in this type of situation?
I urgently need advice, Thanks in anticipation.
Rose
Posted: Wed Jun 06, 2012 12:54 pm Post Subject:
Will my insurer sue me if I don’t provide the affidavit in writing?
No, there is no grounds for them to do this. They simply will no longer renew the policy (or they will cancel it if possible. Of they may increase your rates if possible.What if he gets involved in an accident with my car? My insurer can deny coverage, since he’ll be considered an ineligible driver. Is it possible that they’ll pay for the damages, and then sue me for reimbursement?
They will most likely at least attempt to deny coverage. The reason they want proof he has insurance is that they know they might end up providing coverage for the accident.... providing coverage for someone they are not collecting a premium on. If they deny coverage, _you_ would then need to go to the effort and expense to fight them and get them to provide coverage.
If the other party involved has an UM/UIM coverage, he/she can make a claim against his/her policy only. Will his/her insurer sue me for the reimbursement, later on?
Most likely... it's almost a given.What if the other party doesn’t have the UM/UIM coverage?
Having UM or not having UM does not change anything other then who will seek recovery for their loss. The other person having UM only transfers the right of recovery from one party to another.I have heard about the term ‘casual driver’. How can that be of any help in this type of situation?
Nope... your brother lives in your household. He's not a "casual" driver. He has access to your vehicle each and every day and he _does_ drive it (why else would you be asking these questions).
Does your brother own a vehicle? If not, you really just need to add him onto your policy. He _will_ drive your vehicle and he _WILL_ be in an accident. If you don't add him your carrier will drop you and you won't have insurance. If you do have the policy when he's in the accident, your carrier may simply deny coverage (be it right or wrong) and you are basically screwed.
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