by cheribelle57 » Sun Mar 16, 2008 01:07 am
My son is 17. His Dad and I are divorced and live in separate states. I added my son to my auto insurance policy so he could get his driver's license. A month later, his Dad gave him a car to use. I just found out that my son is NOT listed on his Dad's auto insurance policy as an inexperienced teen age driver. Is this illegal? How can I get my son off my policy without proof that he is covered on another policy? Cheryl
Posted: Sun Mar 16, 2008 01:12 am Post Subject:
Hi Cheribelle57
Welcome to the forum, Whose name is the car in? What state are you in and what state is your ex husband in? The rules will apply according to your state or the state that the owner of the car is in. Since he is in your household and holds a license you may have to keep him on your insurance, but as I said that will depend on your state. Here in Pa, that is law. Please answer the questions and someone will come along to help you shortly.
Posted: Sun Mar 16, 2008 02:40 am Post Subject: insurance
Yep..I live in PA. My son's dad and I are divorced. However....we reside in the same state..PA. My son's dad lives about 10 minutes away from me. My son is 15 years old. I was told by my insurance company if my son drives MY car, I have to cover him. If my son drives his DAD'S car, his DAD has to cover him. My point is....BOTH of us have to have my son 'covered.'
Posted: Sun Mar 16, 2008 05:01 am Post Subject:
The car has to be insured by the titled owner.
In Texas, should your son have an accident, the insurer will generally pay the claim, if your son is not excluded on his father's policy. They will, after paying the claim, require the father to add your son to his policy since your son is given regular use of the vehicle and poses a different exposure to the insrance company.
His insurer will also look to recoup the costs of the damage to the car your son drives from your insurance carrier, since he is a named driver on your policy.
The insurance carrier insuring the vehicle involved in the accident is the primary insurer and is responsible for damages to anything it hits or injures. If the driver is not insured on the primary insurance policy but is on another policy, the driver's insurance can be considered secondary and responsible for damages to the car they were driving.
As far as getting him off your policy, if the address listed on his license is your address, the insurer will most likely require you insure him or exclude him. This is usually because he is responsible for notifying the DMV about any change in residence address and they assume he is living with you if he lists your address as his own.
This information will vary by state so I do recommend you contact your agent to see the best way to handle it.
Posted: Sun Mar 16, 2008 12:30 pm Post Subject:
Looks to me like we have two different questions going on here...
First Cheryl,
If your son does not reside with you or will not drive your vehicle with any regularity (i'm not talking about an 'occasional' visit where it might drive it a couple times a year)...then you should call your agent and get him off...why pay the premium?
A month later, his Dad gave him a car to use. I just found out that my son is NOT listed on his Dad's auto insurance policy as an inexperienced teen age driver.
Then dad needs to add the boy as a driver to one of his vehicles...to not do so is to run the risk of him having and accident and not being covered, (your policy likely won't help him)...as MB said, ''most'' of the time in the case of an accident he would be covered then the premium adjusted, I've even seen claims where the insured was told you want this claim covered? you need to pay that back premium...at any rate I do not see this as 'your' problem at all...I would tell dad and son, look you need to get insurance on the car you are driving cause i'm dropping mine...Is this illegal?
Well that's kind of sticky, the state your son is in has it's own financial responsiblity laws...the vehicle he is in must be insured....don't know about illegal though...How can I get my son off my policy without proof that he is covered on another policy? Cheryl
You don't need proof that he is covered on another policy...HE might...call your agent, tell them where he lives, and that he doesn't drive your car etc...and drop him as a driver, but let dad and he know first...(that's what I'd do)....Posted: Mon Apr 07, 2008 02:48 am Post Subject:
Sounds like the way to go, if dad is going to let him drive then dad can provide the insurance.
Looks like you got some good advice here.
Posted: Tue Apr 08, 2008 01:57 am Post Subject: insurance
i think the 'easiest' thing is (if possible) have Mom AND Dad carry insurance on the child. That way, NEITHER parent can say 'you din't provide anything.' I know a couple, who are divorced, that does this.
Posted: Tue Apr 08, 2008 11:15 am Post Subject:
i think the 'easiest' thing is (if possible) have Mom AND Dad carry insurance on the child. That way, NEITHER parent can say 'you din't provide anything.' I know a couple, who are divorced, that does this
If you mean they each have the child listed as a driver on THEIR cars, ok, but if I remember correctly the boy has his own car and you cannot have two policys on the same car...someone is wasting a lot of money....guarantee you in the event of a claim, one of these policys will not pay....and I can't imagine any agent KNOWINGLY writing a second policy on one vehicle....Posted: Tue Apr 08, 2008 01:44 pm Post Subject:
Doesn't sound right, as you said maybe he is listed as a driver on their vehicles, not just the one in his name, hopefully this is the case anyway.
Posted: Mon Apr 21, 2008 12:29 am Post Subject:
Who in these days could afford to have a car on two different policies. Bet it would take a while to settle a claim since the two companies would have to argue out who was paying.
Posted: Mon Apr 21, 2008 11:53 am Post Subject:
won't happen fireyone....more than likely the first policy issued would handle it...and the owners would be advised that they cannot have two policys on one vehicle...the other policy would do nothing...unless they can get them to refund the premium.
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