that I show proof of my Dad's insurance on his own vehicle. They said if I don't, they must add him to mine. Why is that? He NEVER drives my car! He has no insurance, so I cant show proof. I think the company may drop me, so I am going to switch before they can. Does it look bad on your credit to be dropped or to switch for yourself? Also, someone said to avoid this at the next company, I need to say I live alone so they cant request anyone elses insurance info in my household. What do you advise me to do?
2006-09-25 08:26:08 · 13 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
The insurance company does have the right to demand proof, and they may cancel your policy if you don't provide the proof. If you really like your company or can't find a better deal, then you should be able to exclude him on your policy. That would mean he is specifically excluded, and if he drives your vehicle (even in an emergency, or just down the block to the store), and if he gets into an accident, you will pay every single cent out of your pocket. Not only can you be sued, but your dad could also be sued. As long as YOU cancel your policy, then it won't look bad. If you just stop paying your policy, and the insurance company cancels the policy, then it will look bad. The late balance will show up on your credit report, and if you ever want to go back to the company, you will need to pay off the balance due before they'll take you back. There is an assumed permission of anyone in your household and they have access to your car, whether or not you grant permission.
2006-09-25 15:14:55 · answer #1 · answered by Rexy 3 · 0⤊ 0⤋
The reason they are doing this is because anyone who lives with you can be considered an insured under your policy, especially relatives. If he lives there, then they want to rate the policy for him, believing he may drive your vehicles. If you're saying he has his insurance, it's not unusual for them to request proof. Guess what- you're considered insured under his policy as well.
If you get dropped from your insurance it doesn't show up on a credit report. If you get other insurance and you lie about living alone, that's fine, but if your dad does drive your vehicle once with your permission and has an accident and your insurance finds out they will put him on the policy then and there.
2006-09-25 18:31:27 · answer #2 · answered by Chris 5 · 0⤊ 0⤋
You can switch insurance and it won't look bad on your credit. The easiest thing to do, since you will have to have proof wherever you get your insurance, would be for your dad to go get some insurance, pay for one month and then he can drop it after you show proof to your insurance provider. It's a little shady, but it works if your dad doesn't want to carry insurance all the time. Liability insurance isn't that expensive. This method is also good when it comes time to renew your tags.
2006-09-25 15:43:55 · answer #3 · answered by kelloggs322 4 · 0⤊ 0⤋
If your dad has a licence, there is no guarantee he won't some day drive your car. Maybe you aren't feeling well, or have a couple of drinks, maybe he needs to go to the store - there is no way of guaranteeing 100% that any licenced driver in your household will never, ever, drive your car, so, if they don't have insurance, your company can add him to your policy. You could chop his legs off, or, alternatively, move out, but, if money is the issue, it is a lot cheaper to let him be added as an occasional driver than to move, unless he has DUIs of something like that.
2006-09-26 00:49:00 · answer #4 · answered by Fred C 7 · 0⤊ 0⤋
Well, if dad has a drivers license it will show up on the address check for the policy. He either has to get insrance or give up his license to be exempted from your policy. I went through the same issue when the son got his license. He has a license, he lives there so therefore they want to insure for the risk in the event that he takes your car for a drive. The only other way out is to move.
2006-09-25 15:31:33 · answer #5 · answered by fstopf4 4 · 0⤊ 0⤋
I'm 21 and I still live at home. My car insurance company is demanding...?
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2014-06-29 19:30:29 · answer #6 · answered by ? 1 · 0⤊ 0⤋
Insurance depends on who lives in the household, whether or not you say they drive the car. Show the company your dad's insurance and let it go.
2006-09-25 15:34:32 · answer #7 · answered by Isles1015 4 · 0⤊ 0⤋
I'm 21 and I still live at home. My car insurance company is demanding...?
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2014-07-15 16:58:04 · answer #8 · answered by ? 1 · 0⤊ 0⤋
It makes sense. He has access to the car, he might get in a drive it. If he does, the current company needs to make sure he is covered (either by his insurance or by yours) Saying that you live alone is insurance fraud. But him on your insurance, by his age and driving history - he may not even affect your rate.
2006-09-25 17:22:49 · answer #9 · answered by PeppermintandPopcorn 3 · 0⤊ 0⤋
They absolutely can do it. I lived with a couple friends in college, one of the guys had a DUI and AAA listed him on my insurance as a restricted driver. I called and said that wasn't necessary as he was a roomie and wouldn't be using my car. They said by law they go by household.
2006-09-25 15:34:38 · answer #10 · answered by hfacto 3 · 0⤊ 0⤋