my husband only drives my car about once a month. can i drop him from the policy and still have him covered, because i have given him permission to drive my car? it would save alot of money! i have been told that if you let someone drive your car and they have an accident, it will be covered under your policy as long as they are lisenced. is this true?
2006-08-12 12:38:25 · 7 answers · asked by Brooke 2 in Business & Finance ➔ Insurance
If he resides in the same household with you, he MUST be listed on the policy either as an authorized or prohibited operator. If he's listed as a prohibited operator, he may NEVER drive your car.
Anyone of driving age who resides in your household must be listed on your policy, even if they don't have a license and/or never drive any of your vehicles. Non-drivers won't affect your rates.
If you allow someone who does not reside in your household to drive your car your insurance WILL cover them. They do NOT need to be listed on the policy.
Anyone who lives in your household and is not listed on your policy at all may not be covered. If a claim is filed at the very least the insurance company is going to recalculate your premium and bill you for the difference in premiums. At worst, they will deny coverage entirely.
2006-08-12 21:54:45 · answer #1 · answered by Bostonian In MO 7 · 1⤊ 0⤋
Sure he can! But if he's not listed on your policy, they can deny the claim. Once a month, and he's you're husband? Anyway, the vehicle IS available for his regular use.
When it's your spouse, the company won't let you "drop" him from the policy without EXCLUDING him - which means if he cracks the car up, they don't pay ANYTHING.
Regarding the last bit, it's true IF the person doesn't regularly use your car, have regular access, or lives in your household. Progressive defines "regular use" as at least four times a year.
2006-08-13 07:02:30 · answer #2 · answered by Anonymous 7 · 1⤊ 0⤋
you likely must have your husband on your coverage going ahead because he's an approved driver with get entry to on your automobile even if he drives it or no longer. maximum rules will cover this below collision insurance. A deductible will many times practice and that is going to likely be an at-fault twist of destiny on your husband. If he's not excluded, inspite of insurance you had will maximum possibly practice. call your insurance company - the worst they could do is inform you no. do not lie. there is not any longer some thing to be received and adjusters hearken to lies all day, they could spot them. in case you lie, it is fraud, and that, reckoning on the quantity of the declare, can be a legal. in case you deal straightforwardly with your insurer, they'll do an same. there's a really sparkling settlement between your self and them and they'll honor it.
2016-11-30 00:12:01 · answer #3 · answered by lashbrook 3 · 0⤊ 0⤋
No, it is NOT true. Anyone who lives in your house and has a license must be specified on the policy. If someone doesn't live with you, they can drive your car without being added to the policy.
Just having a licensed teenager in your house will cause your rates to increase, even if they never drive your car. (unless they have their own car and insurance.)
2006-08-12 16:41:35 · answer #4 · answered by normobrian 6 · 1⤊ 0⤋
In most states, you must maintain auto insurance if you have a current driver's license. Check with your insurance company and see if they can insure him as an occasional driver. It could hurt your insurance premium if he's involved in a traffic violation, in your car, but without auto insurance on himself.
And it might not hurt to research your state's laws - pull up the dept of motor vehicles...
Stay safe...
2006-08-12 13:37:14 · answer #5 · answered by Anonymous · 0⤊ 0⤋
no, a spouse that lives in your household must be listed on your policy unless specifically excluded
2006-08-12 19:24:34 · answer #6 · answered by Anonymous · 1⤊ 0⤋
That's true, but make sure there isn't an exclusion on your policy for him.
2006-08-12 13:17:14 · answer #7 · answered by Catspaw 6 · 0⤊ 0⤋