Can I drop my step son off my policy when he turns 21?

Submitted by commish_cpl on Mon, 09/24/2007 - 22:41

I live in Ct and was wondering when the cut-off is to remove someone from my policy. My stepson refuses to get his own insurance and my agent has said I can't drop him unless he is able to produce a declaration page from another company. I'm wondering, am I stuck? Or can I remove him when he reaches age 21?

Posted: 25 Sep 2007 11:56 Post Subject:

Ask your agent if you can 'exclude' him from your policies. You should be able to, but beware, he can NEVER drive those vehicles! There will/would be NO coverage for your vehicle or any vehicle or person he causes damage or injury to, if he does drive (while excluded from the policies).

Or why not have the boy 'pay' for the difference in your premium for him being listed as a driver on your policy? You have him rated on the 'cheapest' vehicle you have right? If not you need to do that!

You don't say if you are step mom or step dad. Are you saying that you and your spouse are just allowing this boy to drive your vehicles without him complying with your parental request to get or pay for his own insurance? If so what's up with that? :? I just flat wouldn't let him drive ANY of my vehicles until he had compiled with my very reasonable request.(ie he pay for the insurance).

Let us know!

Posted: 25 Sep 2007 04:12 Post Subject:

Welcome to the Community :D When my sons were younger, I had them on our policy, driving the cheapest vehicle-like Lori said. Then when I suggested they get theri own policy they refused-big mistake on their part! The option I gave was-you either pay me to stay on our policy, which will be cheaper, or you are off my policy- and you will have a hard time and alot of expense getting your own.And you will have to buy your own vehicle if you refuse to pay, because you aren't driving ours! Now, they didn'tknow at the time I was blowing smoke- but they decided, after calling for quotes it would be cheaper to stay on ours.

They stayed on ours until they graduated and left home . As for males, they pay a higher premium here as compared to girls, even if they are 25 years old. When My son was 25(he's disabled and lives with us) I called my agent and wanted to know why my rates didn't drop. He told me that being 25 and single, he paid more than an 17 year old married, with a kid person :shock: Supposedly that makes them more responsible?! Best of Luck--Karen

Posted: 26 Sep 2007 08:24 Post Subject:

Hi commish_cpl, I hope you have already gained a lot in terms of knowledge from the other posters. As someone has rightly mentioned, you can lawfully exclude him from your policy. But in that case, if he meets an accident while driving your vehicle, he will be considered as uninsured motorist and will be required to pay the penalties. The consequences of it can be harsh enough. The insurance company will not pay for the losses but may decide to increase your premium. This may also affect your son's insurability in the long run.

Juanita

Posted: 26 Sep 2007 11:02 Post Subject:

The consequences of it can be harsh enough. The insurance company will not pay for the losses but may decide to increase your premium. This may also affect your son's insurability in the long run

. Not to mention YOUR consequences as the owner of the vehicle as well!


you aren't driving ours! Now, they didn'tknow at the time I was blowing smoke

I agree whole heartedly with Karen, but I was NOT blowing smoke. Their father and I bought their first cars, but they were REQUIRED to pay their own insurance and upkeep (ie gas, maintence etc). We believed that driving a vehicle was a privledge NOT a right, and that it is also an awesome responsiblity. I paid their premium (so I knew it was paid), and they paid me back every month. There was one month when the boy didn't have his money (gave him an extra week and it was due to poor spending habits oh his part). He was not allowed to touch that car, (or any other in the family) until he caught up. Harsh, maybe but my kids are 28 and 26, both have EXCELLENT credit were able to purchase their own homes without mom and dad co-signing, and pay their bills FIRST then whatever is left they can 'play' with. Another thing, I raised them to think that credit cards were the work of the devil ! :lol: and neither one ever got one. I've seen so many of their friends, even while in school (high school and college!) didn't even have full time jobs, have five cards max'd out......ought to be a law against that! :evil:

Posted: 29 Sep 2007 03:48 Post Subject:

I agree with the cc, Lori- they target college age kids, many of whom have gotten over theirhead at a young age- and their credit is shot.

I didn't let my boys drive either until they paid me for their insurance premium.

One week my son didn't have the money because he had blown it at the Fair- I said- too bad, guess you will have to catch the bus or walk, until it is paid. They caught on quickly!

I agree, driving a car is a privilage, not a right, as some think it is.

If they aren't taught that you have to earn things in life- nothing is given to them- it works out alot better! My son's are grown now, too. I was the toughest mom of my sons friends, but our house is where they hung out!!..KAren

Posted: 29 Sep 2007 09:12 Post Subject:

I was the toughest mom of my sons friends, but our house is where they hung out!!..

Me too !!!!!! how crazy is that? Our house was full of kids every day when the kids were still living at home..Would hate to even think of the amount of money we went thru keeping the cabients and ice box full !!! ha ''My kid never got to do aaaaaaaannnnnnnnnyyyyyyyyyyything, (in comparision to their friends)" In the whiney voice :cry: of a (then) teenager :lol: ....they thank me for it now.... :D

Posted: 30 Sep 2007 03:39 Post Subject:

I know!! I even checked on them when they said they were going somewhere-they never knew if I would check them out that time or not- kept them on their toes :lol:

One time my son asked if he could spend the night with a friend in high school. They said they were going fishing and all that. I said, sure- just let me call his mom and make sure it's ok! Well, he decided that he didn't want to go!!

My fridge during school was always raided! Every day at luch about 6 of them would come over during high school- 6 boys!! Man, they eat!!


I know alot of people here in this town-mom and grandmother also grew up here and were active in the community. My son couldn't do anything without someone seing him and telling me- he never could figure out how I found out thee things!!..Karen

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