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 Posted: Wed Jan 14, 2009 9:42 pm Post subject: does ins go up if you add a driver? |
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does your insurance go up if you add a driver to your policy
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anonymous123
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| Posted: Wed Jan 14, 2009 10:23 pm Post subject: insurance |
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| Usually if you want to add someone, (I think?) they have to do a Drivers Record inquiry on the person you want to add. If you DO have someone in mind, have they gotten into accidents, when on OTHER policies? are they a young age..18,19, etc? Might be at a 'High Risk' because of their age. Hope this helps. |
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sdchargersfan
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| Posted: Thu Jan 15, 2009 5:43 am Post subject: |
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| Quote: | | does your insurance go up if you add a driver to your policy |
it usually does go up since the insurer has to cover added risk with the additional driver. As Sd has mentioned in her post the age and the driving record of the driver would play an important role in determining the amount of premium that would be charged from you. However, the actual change in the premium would depend upon the carrier. |
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JeremyHolter
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| Posted: Thu Jan 15, 2009 12:50 pm Post subject: |
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It totally depends on the driver you add...16 yr old, yep...50 year old with good driving record...not so much
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Lori
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| Posted: Thu Jan 15, 2009 1:57 pm Post subject: |
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| i belive your premium dollars are decided by the most risked driver in your hh |
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jballenger
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| Posted: Fri Jan 16, 2009 7:02 am Post subject: |
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hi jballenger, if I decides to exclude the high risk driver from my policy would it still affect my premiums? do the insurer always decide the premium based on the number of drivers in the household?
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bandit baby
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| Posted: Fri Jan 16, 2009 12:05 pm Post subject: |
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| Quote: | | if I decides to exclude the high risk driver from my policy would it still affect my premiums? |
No it wouldn't it would be like they were never considered re: the policy however states differ on who can be excluded, and be very careful if you exclude a driver they must NEVER drive the vehicle, there is zero coverage if they do... | Quote: | | do the insurer always decide the premium based on the number of drivers in the household |
Yes, each driver must be rated on atleast one of the vehicles...(usually the most expensive driver is rated on the cheapest car in the household)
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Fri Jan 16, 2009 2:43 pm Post subject: |
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hi bandit baby- i am in florida so my most knowlege is in florida, in floirda you can exclude a driver and it then does not effect your premium because you are not allowing him to drive your car. if however you ever do allow him to drive your car your carrier must still cover pd and pip as it is requirred in florida but would deny coverage for bi and coll as those are elective coverages in florida there for if the excluded driver hurt someone you would be on the hook directly and your vehicle would not be coverede also a notice would go to the insurance company that you allowed your excluded driver to drive your car and they may cancel you. each state is state specific so it really depends onthe state your policy is written in.
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| Posted: Fri Jan 16, 2009 2:48 pm Post subject: |
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i dont know how i came up as a guest bandit baby but that response was from me j ballenger?
i put my name in under user name but it keep telling me sorry username already taken so i must be doing something wrong?
help anyone?
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Guest
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| Posted: Sat Jan 17, 2009 2:02 am Post subject: |
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log off and log back on...try that...
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Sat Jan 17, 2009 4:22 am Post subject: |
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Most likely your rates will go up while adding a new driver. The rate increase will depend on a lot of factors of the new driver such as driving record, tickets, points, age and some others as well. I have seen rare cases in which adding a driver didn't make a policy change, but this is not normal.
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justong
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| Posted: Sun Jan 18, 2009 10:20 pm Post subject: |
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| I seen J ball said that BI is an elective coverage in Florida. Does that mean if the driver hit someone and they did not have BI the other person would not get pain and suffering unless the sued the driver of the car iteself? I was under the assumption every state their was a minimun of BI that had to be carried. Is that wrong? |
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fireyone
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| Posted: Sun Jan 18, 2009 10:35 pm Post subject: |
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I am dealing with an elderly gentlemen who recently moved here from florida, I just helped him get his car insurance transferred from Florida to Pennsylvania, there laws are completely different, he said down there you are responsible for your own damage.
He was surprised to hear that here in Pennsylvania, you have your tort laws. His insurance is $56 cheaper her in Pa, he is happy about that. |
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goodnatured
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| Posted: Mon Jan 19, 2009 1:12 am Post subject: insurance |
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| Ok..........I have heard of the 'Tort Law'..... I know I asked this on another thread before (guess I 'missed' the answer.), but, I just don't know what a 'Tort Law' is. Can someone explain this to me, please. |
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sdchargersfan
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| Posted: Mon Jan 19, 2009 11:30 am Post subject: |
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| Quote: | | I was under the assumption every state their was a minimun of BI that had to be carried. Is that wrong? |
Every state BUT Florida  | Quote: | | what a 'Tort Law' is |
.legal definition... | Quote: | | Tort law is the name given to a body of law that creates, and provides remedies for, civil wrongs that do not arise out of contractual duties. ...A tort can be intentional -- for example, an angry punch in the nose -- but is far more likely to result from carelessness (called "negligence"), ... |
In PA and a couple of other states too i think you can choice to 'keep' your tort rights or give them up...meaning if you give up your tort rights you cannot sue the wrong doer...your rates are cheaper, but if you are seriously injured you've given that right...(IMO NOT a good plan)
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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