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 Posted: Wed Jan 14, 2009 11:33 am Post subject: |
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| Quote: | | Right now I have only ONE vehicle. So..I'd probably have to insure him under me..right? |
When has his license and is driving your car then you need to add him as a 'driver' under your policy...(grab your well you know re: cost) that will cover him on your vehicle and any other that he would drive that DID NOT have insurance on it. Which of course he would NEVER do... | Quote: | | Now...what about if my son drives his dad's car...does his dad have to insure him? |
No, he doesn't need to if he is not a resident of his dad's household...(you have custody right?) or unless dad gave him the car for his use and his (your boys) use only... | Quote: | | If I have my son 'covered', is that good enough when he drives someone else's vehicle? |
yes, your coverage will follow him SECONDARY to any coverage on the vehicle...just like if you drove my car, (i loaned it to you - you are a permissive driver) You have an accident my policy (policy on the car) is primary, and pays for everything, your's is only secondary...which rarely kicks in honestly.. | Quote: | | Hope you understand the question. |
Yes, I get it. Once again your Ex gets off scott free (doesn't have to pay the increased premium for a teen and a teen boy to boot!)  
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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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Location: Missouri
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| Posted: Wed Jan 14, 2009 10:49 pm Post subject: insurance |
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| .............so,..it COULD go the other way around. His dad pays for the Insurance 'hike' on HIS( EX's) vehicle and HIS (EX's) insurance would be 'Secondary' if my son drives MY car? I have Prmary Custody of my son..yes. However.......I just feel like it's HIGH TIME my EX 'contributes' SOMETHING to my son...know what I mean? |
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sdchargersfan
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Joined: 21 Aug 2007
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| Posted: Thu Jan 15, 2009 2:12 am Post subject: |
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| Quote: | | so,..it COULD go the other way around. His dad pays for the Insurance 'hike' on HIS( EX's) vehicle and HIS (EX's) insurance would be 'Secondary' if my son drives MY car? |
No sorry it can't/won't it's all about 'household resident'...but you could threaten to take him back for a child support hike, unless he want's to just offer to pay for half the increase in your premium...
_________________
"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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Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
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| Posted: Fri Jan 16, 2009 3:20 pm Post subject: Car Insurance for Teen drivers wiith Learners Permit |
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Well, I emailed several insurance companies and so far I found out that State Farm & Allstate consider your learners permit teen driver to be covered under your existing policy and no additional premiums are charged until your teen gets their license.
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Diane Mackey
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| Posted: Sat Jan 17, 2009 2:18 am Post subject: |
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Well then Diane, I think I'd be calling my agent and letting him/her know that this is bs and should i be looking for another carrier! 
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
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| Posted: Thu Mar 11, 2010 12:04 pm Post subject: |
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My son 17 was diving my and had a wreck he was not on my policy will insurance company pay
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Guest
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| Posted: Tue Dec 21, 2010 4:02 pm Post subject: |
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My girlfriend owns the car but I sometimes I drive it. Am I covered as a licensed driver
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Phil E.
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