by cstarnes1943 » Thu Dec 17, 2009 03:08 am
My nephew had a minor accident in one of my trucks. (This is in Alabama) ALFA has come back and said that he would have to live in my home for ins. to cover him driving.
Posted: Thu Dec 17, 2009 03:13 am Post Subject:
When does he move in?
Posted: Thu Dec 17, 2009 03:30 am Post Subject:
Who is ALFA?
Posted: Thu Dec 17, 2009 04:28 am Post Subject:
ALFA has come back and said that he would have to live in my home for ins. to cover him driving.
Frankly, that sounds weird. This means that your policy only covers residents of the household? That doesn't sound right, as normally there are only two kinds of typical auto policies. Now, I'll be the first to admit I don't know what your policy language looks like, but here are the two usual types of policies and how they offer coverage:
1. Most policies contain language commonly referred to as the "permissive use" doctrine. This doctrine states that anyone who drives your vehicle with (1) your permission and (2) a valid driver's license is covered as you are covered. Again, this is most policies out there. You might see it in your policy as the "omnibus" clause.
2. A less-common policy form is usually called a "named-driver" policy. This is a policy that only covers drivers that are specifically named and listed on the policy and for whom a premium has been paid.
The second example is usually reserved for specialty situations which we probably don't need to discuss.
Your post gives me the impression that the policy you have is, well, weird and I think you should look at the thing and see what it says. Look for definitions about who's considered an insured and things like that. If you're not familiar with the language, let us know if ya run into any brain cramps and we'll see what we can do. There's a lot of knowledgeable people in this forum that might be able to shed some light on this. I personally don't think I've ever seen a personal auto policy that ONLY covers residents of the household.
The only caveat would be is if your policy is a commercial policy, and if that's the case, you may have a problem. Doubtful- I looked at ALFA's website and it look like they only sell personal lines contracts and don't deal with commercial or business stuff. But they do insure churches!
InsTeacher 8)
Posted: Thu Dec 17, 2009 04:39 am Post Subject:
Is it possible that they are not covering him because he _does_ live in your household? That would make sense.
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