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 Posted: Tue Jun 05, 2007 7:05 am Post subject: my son is driving my |
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| my son is driving my car, which is insured in my name, and he doesn't have insurance because he has no car |
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iq
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Joined: 05 Jun 2007
Posts: 1
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| Posted: Tue Jun 05, 2007 12:28 pm Post subject: |
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Is there a question in there somewhere or are you just sharing?
If he's living in your household or drives the vehicle "often", he should be listed on your policy as a driver. |
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tcope
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Joined: 22 Nov 2006
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Location: Salt Lake City, UT
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| Posted: Wed Sep 12, 2007 11:13 pm Post subject: |
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| Another 'question' that might've been floating around in there....What happens if he has an accident....You may have coverage, (barring any policy exclusion), but mom, your policy/premium will be the one to suffer should son cause an accident, rate increase will be all yours... |
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Lori
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Joined: 10 Sep 2007
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Location: Missouri
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| Posted: Thu Sep 13, 2007 5:10 am Post subject: Teach your son! |
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Hi there!
You have not mentioned anywhere whether your son is above 18 or not. It is for sure your driving track would get a jolt in case he comes up with a ticket, but I believe that would differ in magnitude if he is a minor. Also you would need to make sure that his name is enlisted with your policy. You should also make him aware of the ill-effects of DUI.
In case he is an under age n not included, then you should find out if anything good is available for him in the insurance market. As a parent you should be a friendly guide to him at times..what do you think!
All the best, Fatman |
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fatman
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| Posted: Thu Sep 13, 2007 6:26 am Post subject: |
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Yeah right, if your son drives your car frequently you should included him in your policy. It will be wise on your part if you name him in your policy because if he meets any accident (in which he is at fault) the insurance company may deny to pay for the claims. This can cost you dear in terms of coverage as well as premium. You may also end up losing your coverage if it happens that he is the primary driver of your car but not named in you policy. The insurance company then can cancel or deny renewing your policy stating that as the material misinterpretation.
Cyrus
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I am and always will be a sinner. But that's the beautiful thing about Jesus. I'll always try to be a better person in the eyes of God. But I'm not all of a sudden stepping up on a pedestal and saying I'm holier than thou, 'cause I'm not! |
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cyrus
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| Posted: Sun Sep 23, 2007 2:10 am Post subject: |
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Hello iq,
I was in the same situation about a year ago. The car that I was dirving was under my father's name, and so was the insurance. I never got into an accident but I got a ticket for "disobeying a traffic sign (HOV lane)" Thats how they got me. My father received a letter in the mail two weeks after the ticked was issued, with my name on his new insurance policy and the premium has tripled (I was 22 at that time).
I took the car under my name and got my own insurance. I was paying $430 per month for six months. Then I switched, got some discounts, passed the defensive course... my insurance is now normal. I suggest you do the same for your son. |
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smilenyc07
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