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: Mon Apr 28, 2008 03:54 pm Post Subject:
Thts all makes sense. Hopefully they would return the premiums.
Posted: Fri Sep 05, 2008 11:34 am Post Subject: 17 year old son
I live in Texas and had one older auto listed with nationwide & showed both of my sons as occasional drivers (17 & 20). After I started adding autos to my State Farm that only had one they started rating them up. They said that if I produced a deck page from a different insc. company showing them as drivers they would take the rates back down and they did.
Posted: Thu Sep 11, 2008 04:36 am Post Subject:
I haven't sold auto insurance in several years now, but it seems to me that if your son is assigned to a car on one policy that he can be considered an occasional driver on the other policy. If there are more drivers than cars in your household you should be able to list him as an occasional driver on your policy.
However, it would seem that since your ex is providing the car and the more costly insurance in this scenario, that you should come to a meeting of the minds regarding sharing the costs.
If you are able to comfortably share space with your ex you may want to consider having a group meeting with an experience local agent who can answer your questions with the specificity you need. This forum may not be the best place to get a complete and specific answer to this question unless an agent familiar with the laws of your state decides to contribute.
Posted: Tue Sep 23, 2008 12:45 am Post Subject:
Is your son's name on the title of the car or is the Dad's? If it is Dad's name, then dad needs to insure him and the car.
Posted: Thu Oct 09, 2008 01:58 am Post Subject: State Farm related questin - NC - occasional driver
Daughter turned 16 and can get license, once I get proof of insurance. We have now 2 drivers in the house (me and her) and ONE car. Does state farm consider this an occasional driver? I heard there are insurance companies that won't charge for occasional drivers. When I called my agent, they told me an extra $100 a month to cover her. Did I not ask the right questions? (I didn't mention occasional driver though - I just asked cost to add her to my policy.)
Posted: Thu Oct 09, 2008 02:01 am Post Subject: correction to above post
Daughter turned 17 and has had permit for a year, good grades and took driver's ed ....
Posted: Thu Oct 09, 2008 09:52 am Post Subject:
I've never heard of 'occasional driver' you would be the primary driver certainly...100 a month sounds awfully high even for a sixteen year old...what are your rates without her? what kind of vehicle do you have? What are your limits and deductibles? It might be time to adjust your deductibles to bring your rates down, or time to shop around for another company...I've raised two teenagers boy and girl and both were high, but not that high.
Posted: Thu Oct 09, 2008 10:48 am Post Subject:
How much does a normal policy raise when you add a teen? I know it would depend on your own driving record so just say hubby and I have great records...would we see a substancial raise by adding a teen?
Posted: Thu Oct 09, 2008 11:30 am Post Subject:
oh yeah you will
Posted: Thu Oct 09, 2008 11:33 am Post Subject:
HMMM glad its still 4 years away then.
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