by Guest » Sun Jul 25, 2010 03:39 pm
:( Good morning. This is my case. The household size two people, a college student and a parent who just lost its job after many years.
I found this article online:"Car insurance policies provide the required protection you look for your car.
Any responsible individual who owns a car must have car insurance coverage.
Accidents happen suddenly and when they do happen you must be financially supported. This is when a policy plays an important part.
Two people at the household, one person was working, after many years suddenly found itself without a job, The situation my current car insurance add it the other member of the household to my car insurance, without previously notification, either an agreement to sign. The second person is full time college student, does not drive, either has not a own car.
According the paragraph "Any responsible individual who owns a car must have car insurance coverage" firstable I do not own I am leasing it,
is only one car for our transportation, his driver license is different, after he turns 21 is going to be able to have definitive driver license.
Is a clear statement "who owns a car, must have car insurance coverage" in this case is only one car, NO two cars, my question is, does the car insurance is committing a fraudulent action adding the other person of the household to my car insurance?. Although is only one car and only one person driving the car? I was informed by a customer services when I call to claim this action, she said at the moment two people have a valid driver license it does not matter if he has o not his own car, if so what is the legal action to take in order to report this matter against the car insurance? Please if someone there has the right inmediately answer please let me know.
Thank you,
Mavi
I found this article online:"Car insurance policies provide the required protection you look for your car.
Any responsible individual who owns a car must have car insurance coverage.
Accidents happen suddenly and when they do happen you must be financially supported. This is when a policy plays an important part.
Two people at the household, one person was working, after many years suddenly found itself without a job, The situation my current car insurance add it the other member of the household to my car insurance, without previously notification, either an agreement to sign. The second person is full time college student, does not drive, either has not a own car.
According the paragraph "Any responsible individual who owns a car must have car insurance coverage" firstable I do not own I am leasing it,
is only one car for our transportation, his driver license is different, after he turns 21 is going to be able to have definitive driver license.
Is a clear statement "who owns a car, must have car insurance coverage" in this case is only one car, NO two cars, my question is, does the car insurance is committing a fraudulent action adding the other person of the household to my car insurance?. Although is only one car and only one person driving the car? I was informed by a customer services when I call to claim this action, she said at the moment two people have a valid driver license it does not matter if he has o not his own car, if so what is the legal action to take in order to report this matter against the car insurance? Please if someone there has the right inmediately answer please let me know.
Thank you,
Mavi
Posted: Sun Jul 25, 2010 04:41 pm Post Subject:
I had a difficult time following all of that. I _think_ what you are saying is that you object to the insurance company requiring both drivers to be listed on the policy when only you own and drive the vehicle.
If this is correct... then the insurance company is doing nothing wrong. Here is my question... if the student is not going to drive why does he have a drivers license. As he has a drivers license, he _is_ going to drive. Where is he going to get a car to drive? BINGO... the one he has access to each and every day. Everyone always says, "he's not going to drive the car"... but in the real world, he _does_. Happens all of the time. As the vehicle is insured on the policy and as the owner is insured, the insurance company would probably need to pay the liability claim when the student is driving. So they would be accepting that risk and not collecting a premium for it.
Perhaps in this one situation the student would not drive. But we are not talking about 1 situation... we are talking about what happens, on average, in thousands of these situations. 99% of the time, the student will drive the vehicle.
Posted: Tue Sep 28, 2010 10:47 pm Post Subject:
In many cases, the policy language will provide coverage for drivers that are household family members (meaning they are related and live in the home), even if they are not specifically listed on the policy. Therefore, the insurance company feels since they have to provide coverage for all household family members, they should have the right to charge for them.
Posted: Tue Sep 28, 2010 10:48 pm Post Subject:
Some companies will allow a form to be signed which will exclude coverage in the event your child drives your vehicle.
Posted: Tue Sep 28, 2010 11:08 pm Post Subject:
It's not the policy that you need to worry about... it's material misrepresentation and state laws. If the insurance company asks who is in the HH and a lie it told, the policy can be rescinded (cancelled as never in force). Some states also allow the insurance company to lower the liability limits on the policy to the minimum required by law when a none listed driver is driving.
Most companies these day don't allow a person in the HH to be excluded as they end up providing coverage anyway (i.e. in some cases to the driver but regardless they can't exclude coverage to the owner... so if the owner can _also_ be held liable, then coverage is extended anyway).
Posted: Wed Sep 29, 2010 07:44 pm Post Subject:
Most companies these day don't allow a person in the HH to be excluded
They will if they have their own vehicle and insurance. But that's not the OP's situation, either.
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