Posted: 02 Aug 2007 01:14 Post Subject: its an automatic implication!
My friend, lemme just tell you that it is natural for all insurers who presume that people who are allowed to drive your car have sought your permission to do so. Under such circumstances, the other person is most likely to get the coverage benefits in case any mishap occurs. Has anything happened on that count ? Please explain a bit more vividly. Thanks, Fatman
Posted: 02 Aug 2007 01:17 Post Subject: your consent ?
yeah, i'd rather support fatman at saying that whenever you're handing over your keys to your driver you're expressing your consent to his driving your car. And , I firmly believe you have no reasons to name your driver on your driver exclusion agreement. Regards, USAttorney77
Posted: 02 Aug 2007 01:21 Post Subject: chances are less likely!
Hey Its true! The chances of such rejections are less likely!
But if you're facing such a hindrance you should not longer waste your time towards pursuing this case with the help of an experienced attorney!
By the way, may i know which state you're from?
Thanks for joining us.. Evan
Posted: 02 Aug 2007 07:33 Post Subject:
What some people are forgetting is that you did not describe who this person is. If they live in your household, have access to your vehicle and you did not include them on your insurance application (as living in the household), most certainly the insurance company can deny coverage. Heck, they can even recind the policy! That is, cancel it as never in-force and return your premiums.
There could be hundreds of answers to this question based on different situations but the most important variable is if the person lives in your household. Let us know this and a better/shorter answer can be given.
I'm guessing that you may be referring to someone who does not live in your household and whom you just happen to let drive your vehicle that "one time". While it would be _extremely_ difficult for the insurance company to deny coverage, depending on your state they could be allowed to lower your liability limits down to the state minimum requirement for the _driver_. Too add to this, some states make it difficult to proceed against the owner as opposed to the driver (but the owners policy would still provide them their state limits in liability coverage).
As a general rule, you should consider listing those people living in your household that will/may drive your vehicle. As far as the "casual" driver, there really is no way to list these people.
Posted: 03 Aug 2007 03:39 Post Subject:
The poster was not real clear, but it could be that they were hit by another driver, and coverage is not being afforded by the other carrier for various reasons. Not really a denial to the poster but a denial to the other car's insured, but most people don't understand the difference. They just know that they are getting paid.
Posted: 06 Sep 2007 12:17 Post Subject:
I know for a fact that insurance companies deny claims based on the driver not being named on the policy - every day.
-A troubled young teen in Virginia lived with his grandmother way back in the woods. Their driveway was over 1/2 mile long, and wound over hills and through the woods before reaching the main road, where their mailbox was located. The grandmother gave the boy permission to drive her Jeep up to the mailbox to get the mail one day, and back to the house - no further, she said. The teen took the Jeep, tore up the driveway and out onto the main road, then down the road about 2 miles. He turned too sharply on a curve and rolled the Jeep into the ditch. Her insurance company denied the claim based on the fact that he was not a named driver on her policy and was a member of her household. They also cancelled her policy immediately, and would not consider any re-application.
Posted: 16 Dec 2007 02:40 Post Subject:
That teenager probably didn't even have a drivers license. I'm certain that if you gave permission to someone who couldn't even drive, they would deny the claim in a heartbeat.
But if it's someone who has a clean license, and an accident happens while they're driving, then they might allow you to claim the insurance. But like all forms of insurance, it's best to check with the company itself.
Posted: 16 Dec 2007 03:58 Post Subject:
I'm certain that if you gave permission to someone who couldn't even drive, they would deny the claim in a heartbeat.
You'd think so wouldn't you Quenlin...but I've worked a handful of claims, that the drivers were permissive users of the vehicle without a license and the claim was paid!