by sergeantrawr » Mon Aug 11, 2008 11:12 pm
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
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
Posted: Tue Aug 12, 2008 12:52 pm Post Subject:
I have numerous companies that will insure him.
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!
Posted: Tue Aug 12, 2008 08:03 pm Post Subject:
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/
Posted: Tue Aug 12, 2008 11:42 pm Post Subject:
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.
What about Hartford?
Posted: Wed Aug 13, 2008 06:06 am Post Subject:
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.
Posted: Wed Aug 13, 2008 06:20 am Post Subject:
Hey, finding coverage for a person with his license revoked in DWI won't be a easy job. IMO very few insurers will be willing to offer coverage to a high risk driver. I can't blame Geico for what they have done.
However, if you can't find coverage for your son anywhere, you may wish to introduce him to the NY state high risk assigned insurance pool. They cover drivers with high risks and points on their license.
Posted: Wed Aug 13, 2008 09:42 am Post Subject:
Good advise Jeorge...You know I don't even think they sell this in my state....Never ever seen a policy or claim on a policy like this... :? I have heard of them...apparently NY does...another option and don't know why we didnt' think of this....contact your states dept of ins. they will have a list of carriers that will sell this...duh...can't believe none of us thought of that! Or check their web site...
Posted: Wed Aug 13, 2008 10:22 am Post Subject:
another option and don't know why we didnt' think of this....contact your states dept of ins.
I think that's the best and the right way. The insurance dept. must have the list of the carriers who have specialized in covering the high risk drivers (take my word, there are very few of them who will cover a young driver with a DWI already in his record).
Also, don't forget they may charge you abnormally for the policy.
I'd like go what tcope has said, just don't allow him to drive till the time he gets back his license. Also, try to arrange driving lessons for him as well.
Posted: Sun Aug 17, 2008 12:13 am Post Subject:
You may want to file a request for assistance with the State of NY Division of Insurance. They may be able to assit you or refer you to an agency that can guide you to obtaining auto insurance under these circumstances.
You may want to check out the rates with Infinity, National Guaranty, American Access...if they write in your State. Just make sure that if they do write a policy for your son that they advise you of the time limit that the SR-22 will have to be maintained (with no lapse in coverage) for whatever the state requirements are. Where I live an SR-22 has to be maintained for five years with no lapse in coverage. If a lapse occurs then the SR-22 will start all over again. It can be messy.
I wish you the best of luck.
Posted: Wed Oct 22, 2008 01:36 am Post Subject:
Ny state has an assigned risk pool. It's the NYAIP 866-694-6084. I haven't called yet, but I plan to because I am in the same boat as you. Is it possible for him to move, because then he wouldn't be in the same household.
Posted: Wed Oct 22, 2008 03:58 pm Post Subject:
It surely would take more than one DWI/DUI for a person to be considered high risk.I have a brother who is 31 and will not grow up. He has had several (I lost count) DUI's. He's at the pointhis young child will get his license before he does (thank-god).
I do think that their should be a high penalty for someone who keeps posing a risk to opthers by driving while drunk. It not only protects the other drivers but the driver himself..We have almost buried my brother several times and one really recently.
Good Luck in finding insurance and please think before drinking and driving.
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