Kentucky has some quirky insurance laws, especially regarding their health insurance products. I don't know much about their auto policies. Maybe I should since, they're about a half hour away. Now...that's a scary thought.
I wonder if the ghost of Adolph Rupp will read this...And Tubby Smith???
I would assume if the mother lets the kid drive the car, they should be covered right? even if they did not live at home? unless like you state that they are specifically excluded. But if they were excluded, why would you let them drive your car.
Good point, I wouldn't let my children drive my car if they weren't insured. My parents recommended I get my own insurance and I bought my first car with my own money. Full coverage for my car was about 2/3 of my weekly paycheck at the time when I was earning $5 or so p/hour,. Opted for liability only.
2-3 months later I wrecked my car and had $3000 in debt to pay off when I was 17. I've had full coverage ever since.
There is nothing wrong with being ignorant about a subject. It's only stupid when you repeat the same mistake more than once! _________________ You can catch me here: insurancesaleslibrary.blogspot.com
tcope is of course correct all states are different...in mine, if you excluded a party...and they get in an accident...you're done....that is why it is so vitally important to know the laws of your own state.
hummingbird you should be fine, call your agent and double check, yours kind of worries me a little since your boys new policy called for exclusions for all licensed household members...generally in my area anyway...exclusions are taken very seriously and not an automatic offer or conditon of issuance...
in most states ins stays with the car, meaning your son should be covered just fine under your policy, and your policy would be the one taking care of an accident he had in IT . so many times people don't understand this, and WANT or try to INSIST it be covered under the 'bad' drivers policy...don't work that way....
Clearly we would all be in a better position to understand and assist the op with additional information re: basis of the denial. _________________ 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!
You would not, or I would not anyway. I was just trying to figure out if everyon living in my house unless they were excluded were covered to drive my car.
yep should be as an occasional driver _________________ 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!
The mother is the owner and has the insurance policy. The owner could be held liable for the accident (as the owner). I see no reason why the owners policy would not protect the owner by paying the claim (again, to protect the owner).
Bingo! Thats where I would start and go from there. Try your hardest not to let them sell the account to a collection agency. That could put you in a whole other hoot.
