by Guest » Mon Apr 28, 2008 07:48 pm
Hi I live in NH ,, MY husband , Myself and my 18 year old son share the same policy,, unfortunetly for my son , I have a 2001 mustang and hubby jut bought a new truck,, now there is no way my son is driving either of these vehicles,, he is driving his 2000 Ford Ranger,, What is the law in NH about having to have him insured on our vehicles,, can i ign a waiver for this , before i go to the insurance company and talk to them about the 3000 dollar insurance bill , i need to know what my options are. The truck he is driving is registered in my husband name . THanks Dawn
Posted: Sat May 03, 2008 02:09 am Post Subject:
Those companies suck, and I would never do business with them. I have also seen many instances of "highest rated to highest rated" even if the kid never touches the highest rated vehicle, as in the OPs Mustang.
The problem is that the carrier could not deny liability coverage if the kid does drive the highest risk vehicle. The kid _would_ have access to the vehicle. As such, the kid _will_ drive that high risk vehicle. Also, it would be possible to simply report the child as driving the lowest risk vehicle when in fact he/she is really driving the highest risk vehicle.Posted: Sat May 03, 2008 02:20 am Post Subject: insurance
Ok..what about THIS one. My son isn't driving yet, however.........if I let my son drive MY car, I have to 'add' him onto my account ( makes sense to me). NOW......My ex is telling me if I 'add' my son to MY policy, that my ex doesn't have to add my son to HIS. If my ex lets my son drive HIS car, I would think he WOULD have to 'add' him to HIS policy. Suggestions, please. :roll:
Posted: Sat May 03, 2008 02:29 am Post Subject:
The child should be added to the policy of the parent where the child resides. I say this as in the other household the son would not be a regular driver of that vehicle. Clear as mud?
BTW - I'm not an agent and an agent could better answer this question.
Posted: Sat May 03, 2008 02:40 am Post Subject: insurance
Thanks for the reply TCOPE. Well...my son resides with me, but, i would ASSUME he would drive his dad's car, too.
Posted: Sat May 03, 2008 10:54 am Post Subject:
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.
Posted: Sat May 03, 2008 01:11 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.
Posted: Sun May 04, 2008 11:17 am Post Subject:
dude, is just a wealth of valueable information isn't he? (ex)
Posted: Mon May 05, 2008 02:11 pm Post Subject:
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.
Add your comment