by king » Sun Dec 14, 2008 07:48 pm
Hi. Can my boyfriend be added to my car insurance policy as a driver? I live in NJ and have nj full insurance. He, however, lives in Pennsylvania with a Pennsylvania drivers liscense. However, he does borrow my car often which is why I am asking. He does not own a car or have any type of insurance at this time. If he cannot be added, is it still ok for him to drive my car?
Posted: Sat Dec 27, 2008 04:29 pm Post Subject: insurance
Yep.........I live in PA. I'd give up the right to sue the other party...kind of 'waive your right', kind of thing??!! OMG!! Also....I think GN said something about "Limited Tort"......meaning for this, please?
Posted: Sun Dec 28, 2008 11:42 pm Post Subject:
I would not advise it either SD. At one point we did not have full tort (years and years and YEARS ago) and I was in a wreck. I really wasn't hurt thankfully but I was not entilted to any money for pain and suffering. At the time it really wasn;t that big of a deal (they paid me waaayyy more than I paid for my car when I bought it). After that accident it made me think what could have happened. I changed to full tort. I really did not understand "tort" at the time. Blame it on my youth but I am glad I had it this time around.
Maybe I needed the little accident to open my eyes.
Posted: Mon Dec 29, 2008 11:16 pm Post Subject:
I have always kept full tort thanks to my parents preaching it all the time, however I do have other family members that carry the limited tort. I just want to fill protected in case something would happen.
Posted: Wed Dec 31, 2008 03:32 am Post Subject:
With my company in NJ you have to disclose all drivers of your car on a regular basis and also disclose the location of the car at night if you are misrepresenting this to the insurance company you could be committing fraud. The fine is 5 grand, they can also refuse to pay the claim on the basis of him being an undisclosed driver. You probably signed something when you either added the car to the policy or initially took it out. Also if he were to be in an accident and he were hurt he would not have med coverage provided through your policy. Be careful I would definatly add him to your insurance policy.
Posted: Sat Oct 10, 2009 04:39 pm Post Subject: moving in sharing car insurance
You are also trusting the drivers around him. let him get his own insurance. there is such a thing as "too much of a good thing". only trust him fully if he is taking on full responsibility. if you trust him fully then you should marry him before he moves in with you otherwise you can't trust him fully.
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