I wonder if the ghost of Adolph Rupp will read this.

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PostPosted: Sat Feb 16, 2008 1:18 am   Post subject:   

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???

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PostPosted: Sat Feb 16, 2008 1:36 am   Post subject:   

Quote:
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!
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PostPosted: Sat Feb 16, 2008 11:31 am   Post subject:   

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.



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PostPosted: Sun Feb 17, 2008 4:10 am   Post subject:   

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.

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PostPosted: Sun Feb 17, 2008 10:41 am   Post subject:   

yep should be as an occasional driver



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PostPosted: Wed Feb 20, 2008 4:41 am   Post subject:   

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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.
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PostPosted: Thu Feb 28, 2008 1:56 pm   Post subject:   

That was bad on your part.. but I think they should look at the different side of the story, not just on the part you bumped on that car..

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