by dmackeycor » Mon Jan 12, 2009 02:47 am
My Farmers Insurance Agent charged me an additional $215 a month when my 17 year old son had his learners permit and was learning to drive in my car. After speaking with other parents and my sons friends I found out that no one else had to pay additional premiums to cover their teens while learning to drive in a car that already had insurance. The car my son used to learn how to drive was insured my Farmers. I live in California. Where can I find information on learner permit insurance requirements? Is this legal?
Posted: Tue Jan 13, 2009 02:42 pm Post Subject:
Sorry SD my post was here it must have gotten taken off somehow. Anyway yes thats kids today ten feet tall. I had asked in my earlier post on this subject that if a parent does not report a teen driver and that teen driver wrecks the car will it be covered? Would they cover it and then fail to renew your insurance?
Posted: Tue Jan 13, 2009 07:28 pm Post Subject: insurance
GOSH!! What the heck am I in for!!?? LOL FIREYONE...I DID see your post yesterday....that's why I responded the way I did. LORI..you said something about "beaters" ..what's that?..never heard of it. Sooo...are you saying I can get a SEPERATE 'Liabilty' policy for my son, and STILL keep mine?
Posted: Wed Jan 14, 2009 01:45 am Post Subject:
"beaters" ..what's that?..never heard of it.
A ''beater'' is a cheap car you can pay for (not get a loan on) usually not the prettiest car around... :wink: usually an older car...Sooo...are you saying I can get a SEPERATE 'Liabilty' policy for my son, and STILL keep mine?
Only if he has a car...or you have a second car that he is rated on rather than rate him on your vehiclePosted: Wed Jan 14, 2009 02:39 am Post Subject: insurance
OIC!! I gotcha, LORI. Right now I have only ONE vehicle. So..I'd probably have to insure him under me..right? Now...what about if my son drives his dad's car...does his dad have to insure him? If I have my son 'covered', is that good enough when he drives someone else's vehicle? Hope you understand the question.
Posted: Wed Jan 14, 2009 11:33 am Post Subject:
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...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...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..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!) :roll: :wink:Posted: Wed Jan 14, 2009 10:49 pm Post Subject: insurance
.............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?
Posted: Thu Jan 15, 2009 02:12 am Post Subject:
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... :wink:Posted: Fri Jan 16, 2009 03:20 pm Post Subject: Car Insurance for Teen drivers wiith Learners Permit
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.
Posted: Sat Jan 17, 2009 02:18 am Post Subject:
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! :twisted:
Posted: Thu Mar 11, 2010 12:04 pm Post Subject:
My son 17 was diving my and had a wreck he was not on my policy will insurance company pay
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