My son is insured on my policy. He is leaving the state for

by drudd.2 » Tue Mar 17, 2009 01:38 am

My son is insured on his own vehicle, but I carry him and the vehicle on my policy. He is moving to Hawaii to sell alarm systems. He will not be driving his vehicle. He will not be driving anyone elses either. My insurance tells me I have to provide them with a lease agreement for where he is living or a utility bill or they will not let us take him off the insurance policy. Is this leagal. I don't believe I should have to insure anyone I don't want to.

Total Comments: 9

Posted: Tue Mar 17, 2009 02:33 am Post Subject:

You'd be correct... but in turn, your insurance company does not have to renew your policy. If it's a matter of principle I'd suggest asking your agent to go to bat for you. If it's a matter of getting things done, is there a reason you can't supply the requested information?

Posted: Tue Mar 17, 2009 10:05 am Post Subject:

I think they just want to make sure that what you're stating is correct. I see no harm in sending them the piece of information they need. This way confusions can be avioded in the long run.

Posted: Tue Mar 17, 2009 10:52 am Post Subject: insurance

Ok........if this is HER policy, why shouldn't the Insurance company let her 'drop' her son? Isn't it HER choice who she wants to 'carry' on her OWN policy?

Posted: Tue Mar 17, 2009 11:49 am Post Subject:

Is this leagal. I don't believe I should have to insure anyone I don't want to

yep, it's legal...you don't have to ins. anyone you don't want to they just want proof he's no longer a resident of the household...that's all...

why shouldn't the Insurance company let her 'drop' her son?

she can, she just has to prove he is no longer a resident of the household, or exclude him...but she is wanting to drop him...i'll bet he's young, and clearly if not a household member her carrier has been led to believe he is...

Posted: Tue Mar 17, 2009 04:36 pm Post Subject: Insuring son

My son is 24 years old. He will be living in an apartment that is provided by the alarm company. His name is not on the lease or on any of the bills. His rent etc. is deducted from his paycheck and if he does well it is refunded to him at the end of the summer. We explained this to the insurance company and asked what other information we could provide. They became rather rude and went on about how he had a ticket and that he would probably drive in Hawaii. We asked how that would effect them and did'nt get a clear answer.

Posted: Tue Mar 17, 2009 05:27 pm Post Subject: agree

I Agree with sdchargersfan, It should be the policy holders choice. How does it hurt the Insurer taking someone off the policy. If someone walks up to the cashier with 2 items and decides, I dont want that one...does the Cashier say "well why not". I know insurance is more involved but I feel the request made was a simple one.

Posted: Wed Mar 18, 2009 12:59 am Post Subject:

drudd.2, I understand your concern and your frustration. Just so you know, there are reasons why the company is requesting this information, but there are also options for you. They just want to establish that he is not a member of your household, and that he does not have regular access to drive your car.

The reason an insurance company does not just drop someone from the policy upon request is that they must pay the claim if he drives a car if he is a resident of your household. They also must pay the claim if he drives your car with permission--even if he is not listed as a driver. This is called "permissive use." If they are on the hook to pay claims, then they expect to be able to collect premium commensurate with the risk.

So what they are trying to establish is that he is NOT a resident of your household, and that he does not have regular access to drive your car. If BOTH of these statements are true, then they are not responsible for an accident that he has in Hawaii. If EITHER statement is NOT true, however, then they will be responsible for his claims, and they have a right to collect the premium for him. I know that this is not your situation, but you would be surprised how many people want to drop their kids from their policy when they still live at home, but still expect the company to pay the claims. They can't have it both ways.

So that being said, your case sounds quite reasonable, but they need something to document it. Will they accept a letter from his manager at the alarm company, on company letterhead, stating exactly what you said about him being in Hawaii in a company-paid apartment?

Posted: Wed Mar 18, 2009 01:20 am Post Subject: insurance

OP...they should have given you some kind of 'straight and forward' answer. And agin, it should be YOUR choice who you want to drive your car and be insured on it.

How does it hurt the Insurer taking someone off the policy

Kind of sounds like your Insurance company wants their 'cake and eat it, too'. Of course if you keep your son on your policy, you Premium would be MORE than if you had just yourself on it. 'Money Hungry' kind of thing?

Posted: Wed Mar 18, 2009 10:26 pm Post Subject:

Why don't you just ask your carrier to 'exclude' him from all your policys? Remembering that he must NEVER drive if excluded..

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