he was on our policy , he is 18 and he can do as an adult does and i dont think its the insurance conpaies buiness, I take care of my cars and that all that matters isn"t it ?
2006-10-23 16:03:18 · 6 answers · asked by el_monarca1108 1 in Cars & Transportation ➔ Insurance & Registration
The only way it is acceptable for your son to be listed as a driver on your policy if he no longer lives with you is if he is a full-time student away from home only for school.
It IS your insurance companies business what you do with your cars!!
When you pay for your insurance, you are basically buying a promise...a promise that they will be there to take care of you when you need it. Insurance companies base their rates on several different pieces of information, but one of those (and a very important one) is WHERE the vehicle is located on a regular basis (greater than 50%).
1) If the information provided to the insurance company is inaccurate then they may not be charging you the proper amount of premium.
2. Your insurance company regularly goes through a very lengthy process filing policy contracts and information with your state's Department of Insurance and those contracts and any changes in "underwriting criteria" (the information used to determine your rates) are APPROVED by your state's DOI BEFORE they are ever rolled out to you as a customer.
3. Your insurance company uses the information you provide to determine what rates they will offer you, and even whether or not they will offer you coverage at all. Appearing beligerent in any way and/or even hinting that you might misrepresent information to them because you think it is "none of their business" can put you in a difficult position should you ever need delivery on this promise you pay for every month.
2006-10-23 19:38:57 · answer #1 · answered by purplepinkanddots 3 · 1⤊ 0⤋
Well, start by asking your agent.
Most likely, they simply want him off your policy. However, you need not remove him from your policy, as I understand it. If you leave him on, however, you/he will have to pay an adult premium. If he will be driving your vehicle, he will probably need to be on the policy (which I assume is what the insurance company is concern about - you paying, letting him drive, but not having him on the policy).
Where he lives has nothing to do with the insurance company (unless you're talking about property insurance or renter's insurance).
And, regarding medical insurance, some companies let you leave your children on the policy until they're 25 (or some older age), if they are a full time student.
2006-10-23 23:07:20 · answer #2 · answered by Elizabeth S 3 · 0⤊ 0⤋
This question was asked not too long ago and the unanimous response is that the insurance company can't control his license or his residence. They are saying that if he doesn't own a car and doesn't live with you, in order for them to take him off your policy as a driver, he would need to do this. I have never heard of this before in all my years in insurance, but I am not familiar with every state either. The reasons for him not doing this are plenty, including the fact that he could drive someone else's car as a designated driver, or just for any reason and he would have to be licensed to do that.
If they're saying that they can't take him off the policy if he doesn't do that, consider switching to another carrier.
2006-10-24 19:02:59 · answer #3 · answered by Chris 5 · 0⤊ 0⤋
no, if he is not living at you address any longer, the car he drives is now parked at another location. The only exception is children going full time to college.
But if he is not living at home, they could possiblly ( not saying they will) but they could find him in violation of the policy and refuse to pay if he had a claim.
Once a adult moves out on his own ( 18 is a adult) he is responsible for getting his own policy in his own name.
You may pay for it if you would like to be sure it gets paid.
2006-10-23 23:13:46 · answer #4 · answered by Anonymous · 0⤊ 1⤋
I'm not sure what state you live in, but in California anyway, you may include any person you want on your policy, regardless of age, however, your name needs to be on their vehicle's registration in addition to their name.
2006-10-24 01:09:55 · answer #5 · answered by alice27 3 · 0⤊ 0⤋
No, he no longer lives under your roof-he is considered an adult and independent
2006-10-23 23:06:08 · answer #6 · answered by pdudenhefer 4 · 0⤊ 0⤋