If it's a joint custody thing...and your boy has access (near equal) to both vehicles yours and dads, then I agree I think he will need to be rated in both households....your policy is not going to follow him to dads (unless dad's vehicle is totally uninsured, or you live in a state that allows or requires ''drivers'' not vehicle insurance)...If he wrecks dad's car, it's dad's policy not yours that is going to cover him...same with yours if he wrecks your vehicle it's your policy not dad's that will come into play...I think you should either check with your agent or your states DOI..to make sure, but I think he may need to be rated in both homes, assuming of course that he does not have a vehicle of his own at one or the other homes. _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
Posted: Sat May 03, 2008 1:11 pm Post subject: insurance
Thanks, LORI. Nope..he doesn't have a car of his own. And ,AGAIN......my ex just ASSUMES if my son would be drivin my EX's car, and got into an accident, that MY policy would cover it. ( LORI..I know you've read OTHER things I have posted about my ex). Thanks for the advice.
dude, is just a wealth of valueable information isn't he? (ex) _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
If your child resides with you, he/she would then be put onto your policy. If you ex is interested in doing it, he/she could put your child on his/her policy as an occasional driver but is not required to. Your child when driving your ex's car will be covered without being put on the policy because your ex gives him permission which binds him with coverage. This is PA rules and regs. Dependent upon where you reside it could be different. Sorry to break the bad news to you about his. Unfortunately you get screwed and your ex makes out.
As far as the other situation... another thing that could be done is writing an exclusion on the two cars to exclude your son as a driver on the other two cars. The potential backfire with doing that is if he ever has to drive one of the two cars that are excluded, he would not be covered if anything happened.
