odd request from insurance

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PostPosted: Sat Feb 09, 2008 5:13 am   Post subject: odd request from insurance  

My son just got started on a new vehicle insurance policy.They sent him 3 forms to fill out by every licensed member of his family.We each have to fill out and sign this form that says his insurance will not cover us as drivers in his vehicle.Is that common practice as I have never heard of it before.

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PostPosted: Sat Feb 09, 2008 1:24 pm   Post subject:   

THIS IS AN EXCLUDED DRIVER FORM BEWARE!!!!!!!!!!! I'm serious, what this means if you all sign them is that NO WAY NO HOW EVER can any of you drive his car if you do and have an accident ZERO coverage for his car or another that you would damage....*could I have been more dramatic?* no it's not common, and generally is the other way around...like you would exclude him or any high rated driver....odd...


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Lori
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PostPosted: Sat Feb 09, 2008 8:24 pm   Post subject:   

Well the insurance is his new policy and if we don't sign he may not be able to get the insurance. It is from Safe Auto insurance. His old policy was killing hm in premiums and this vehicle insurance company offered a lower rate. So what do we do now? It is after all his truck and I for one only move it around in the driveway if need be.I drove it onve a couple miles donw the rode to pick up a desk.No one in the family drives it anyway.What do you advice.I don't want to refuse to sign it since not much chance I would be driving it anyway, especially if I signed that paper.Why would a insurance company practice this policy if it is not common?

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PostPosted: Sat Feb 09, 2008 8:29 pm   Post subject:   

Quote:
I don't want to refuse to sign it since not much chance
I'm not saying don't sign it, if you do though you shouldn't take ANY CHANCES...in other words NEVER EVER DRIVE THAT TRUCK.....
Quote:
Why would a insurance company practice this policy if it is not common?
For whatever reason this company wants to ONLY insured your boy...no other drivers in the house...more than likely there would be an increase in premium for the other drivers...


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Lori
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PostPosted: Sat Feb 09, 2008 8:35 pm   Post subject:   

Thats a laugh as my driving record is spotless...lol but thats ok as long as he gets a rate he can afford .I will have to live with it. Funny though I always thought the policy you have covered people living in yor house. Who exactlky is covered living in your house?Anyone?My husband has a truck and my son drives it lots of time becasue they work together a lot.Are you saying that if he was to have an accident in my hubby's truck that it would not be covered? Or maybe you would not know that, maybe only my insurance company would know .

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PostPosted: Sat Feb 09, 2008 8:50 pm   Post subject:   

Quote:
I always thought the policy you have covered people living in yor house.
Well it does (kinda) UNLESS there is an exclusion, that exclusion, EXCLUDES that person from driving that vehicle (meaning whomever signs those forms)..Well not really, it EXCLUDES the insurance company from covering any damages/losses caused by that excluded driver.
Quote:
Who exactlky is covered living in your house?
On your boys new policy him and him alone...
Quote:
Anyone?My husband has a truck and my son drives it lots of time becasue they work together a lot.Are you saying that if he was to have an accident in my hubby's truck that it would not be covered?
No I am not saying that UNLESS there is an exclusion on that policy...exclusion exclude certainly persons (typcially) like you all are signing on the son's policy...
Quote:
Or maybe you would not know that, maybe only my insurance company would know .
If you have any exclusions on your policys you would've had to sign something at some point....you maybe should check to be sure...but you cannot exclude a driver from a policy without the proper forms signed (usually just by the insured)....am I explaining this well? I feel like I'm going in circles (my fault not yours) let me know if this isn't getting thru Wink


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Lori
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PostPosted: Sun Feb 10, 2008 1:51 am   Post subject:   

Let me see Lori, I think you are saying that he can exclude his parents and siblings but not a spouse or children IF he had any. Since he signed no such exclusion for our insurance it does cover him as a driver? Or not?There was a note in there that says it is unlawful to exclude your spouse or children as drivers.Does that sound correct?

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PostPosted: Sun Feb 10, 2008 1:29 pm   Post subject:   

Quote:
There was a note in there that says it is unlawful to exclude your spouse or children as drivers.Does that sound correct?
yes true in some states (not mine)....apparently not yours....
Quote:
Since he signed no such exclusion for our insurance it does cover him as a driver? Or not?
yeah, or you or your husband could've excluded your kids etc. from your policy.


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Lori
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PostPosted: Mon Feb 11, 2008 6:36 pm   Post subject:   

Must be unlawful in my state to exclude my spouse or kids. But I will sign it for him in order for him to be able to get the better rate. thats what i was talking about in another thread ,why can't they just have you sign exclusions for like dogs or trampolines instead of just canceling your policy.Why won't they do that?Then at least you would have the insurance for your home.

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