Posted: Mon Aug 11, 2008 11:12 pm Post subject: My 27 year old has a revoked liscense for a DWI conviction
My 27 year old has a revoked liscense for a DWI conviction in april of 2008.
I am being canclled by geico as a result becuase he was on my auto insurqnce when this took place and they say he has access to my and my husbands car and therefore we are a risk to carry.
I need to show proof my son has his own non drivers policy or some kind of insurance so I and my husband can hold auto insurance.
Someone at geico suggested a non drivers insurance policy for him but I have been unable to find any agent willing to help us.
Can you tell me what kind of policy I need to be asking for. I am lost and running out of time. Geico is due to cancell us on August 28, 2008.
Thank you for any help.
Rachel-queens new york-zip-11356
Will they not allow you to exclude him from your vehicles? _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
No -Geico said that because he was convicted of the DWI while he was on our policy they are cancelling us. neither car is registered to him. I asked if they offered a non-owners policy for jesse and they said no and washed their hands of us. They did say we can come back when we have proof that Jesse's been reinstated with the DMV or when he has his Own insurance. I tried all day to find someone to carry him but no luck so far. Thank you both for your repsonses-rachel
Posted: Tue Aug 12, 2008 3:53 am Post subject: DWI
I have numerous companies that will insure him. This is very easy to take care of.Your particular company may still require that you leave them.However that may benefit you. _________________ Register Now to have your Insurance queries solved.
Sounds like a shady deal. It's unfortunate that GEICO is not willing to provide good customer service and assist you with this issue that doesn't seem to be nearly as difficult to handle as they are making it. To me it sounds like they have a case of "I don't want to deal with it" and like you said, just want to wash their hands of your policy and you along with it. You still have plenty of time, over two weeks still, I'm confident everything will be sorted out for you shortly. _________________ Visit The Insurance Files for information on auto, health, life, homeowners and more!
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Sounds like a shady deal. It's unfortunate that GEICO is not willing to provide good customer service and assist you with this issue that doesn't seem to be nearly as difficult to handle as they are making it.
Would you loan your vehicle all the time to someone with a recent DUI? If you would not want the risk, why would GEICO?
Posted: Tue Aug 12, 2008 11:49 am Post subject: Anyone?
Yes-I understand Geicos postition I just feel a bit abandoned and lost.
Can anyone reccomend an insurance company that will write my son a "non-owner policy"?
sergeantrawr, you might try an independent agent that sells for multiple companys...have you tried the big three or four? (state farm, allstate, progressive, farmers?) _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
dlewis, would you care to tell me what kinda coverage are you talking about!
If a giant like Geico is not being able to take the risk..I'd be truly eager to know about the capital strength of such companies that have this kinda guts to cover someone with a recent DWI conviction. On the other hand I'd also like to know more about the type of premium that they are gonna charge this guy for such coverage. I'm a bit skeptical about signing up with such companies before I'd know more about the terms & conditions, the nature of the benefits & the stretch of coverage. Also, would like to compare such coverage with more than one such provider in order to make sure we don't get caught on the wrong foot at a later date!
I spoke to allstate, progressive and Nation wide today. None of them provide non-owners auto insurance in New York State. I spoke to a broker who suggested I have my son register one of the vehicles in his name -they said he would be able to get insurance for him that way with he as the policy owner and include me as a secondary driver because he would need to have an active driver on the policy and I wouldnt be held responsible. This doesnt sound right to me-for one thing how can he do this when he has no ID and why would they give car insurance to a person with a revoked license?
Thats my update guys-not good/
I agree... an insurance company won't write a policy for someone w/o a licenses... ummm, what would they be insuring? . I'm not an agent but having him own the car, with you as a driver and just you driving the vehicle does not seem the way to go... not to mention, probably more expense. It sounds like to me that this agent does not know anything about non-owners policy so they just wanted to throw you into something they know something (?) about. Non-owners policies are fairly inexpensive as they are not primary coverage... they are always going to be excess (insurance over the owner of car's insurance policy). If you son drives your car, your policy is going to address the loss on a primary bases and may even pay as primary (depends on state laws) even though your son is excluded. If they did not pay as primary, your son's non-owners policy would kick in. But in either case, you get to keep your policy with GEICO.
Also, you should be hiding your keys from your son and _you_ should not allow him to drive... period.
hi sergeantrawr, try to expand your search to medium and small companies and companies who have specialized in offering Sr-22 coverage to the high risks driver. You may not find the desired coverage with the big companies always.
However, before signing the policy document, run a background check on the company's profile and claim payment history.
. I'm not an agent but having him own the car, with you as a driver and just you driving the vehicle does not seem the way to go... not to mention, probably more expense. It sounds like to me that this agent does not know anything about non-owners policy so they just wanted to throw you into something they know something (?) about. Non-owners policies are fairly inexpensive as they are not primary coverage... they are always going to be excess (insurance over the owner of car's insurance policy). If you son drives your car, your policy is going to address the loss on a primary bases and may even pay as primary (depends on state laws) even though your son is excluded. If they did not pay as primary, your son's non-owners policy would kick in. But in either case, you get to keep your policy with GEICO.
