my auto insurance was cancelled because of my sister's boyfriend's driving record. Is this legal?

Question

I live in the same house as him, but we have never been involved in eachothers insurance, and he never drives my car. We are not even related by marriage. It just doesn't make sense to me. I have a great driving record and have only been on insurance policies with my sister and mom. They even said something about my mom's traffic ticket from 3 years ago, but just said I needed to show proof that she has her own insurance policy. This doesn't seem fair, right, or legal. I plan to fight this to the end, Just wanted some feed back.

Answer 1

there must be more to the story. How does the ins company even know this guy is your sister's boyfriend? whats the story?

Answer 2

Friend of mine who is an insurance agent told me that the insurance company wants to know the name and driving records of "all" licensed drivers in the household and use that to judge insurance rates, etc. The problem with all this is that most of the laws on this date back from the time when most households here were single family with the parents and the children. Nowdays with folks rooming with each other etc. you have a lot of folks that aren't related, or even involved with each other who happen to be sharing facilities. Insurance companies though are still taking advantage of the law being on their side to either stiff you on rates if a bad driver is in your house, or cancel you as this case shows. Not right of course, but totally legal due to the huge insurance lobby here in the U.S. that keeps this sort of thing on the books. Also the way that they can charge you more for insurance because of your credit record as well. Sinful, but that has become the American way of doing business in insurance. You can actually have "excluded" drivers on your policy though with most companies but will have to ask them their own policy on this. Check a different company and make sure they know that this person has no right or reason to ever drive your car. Insurance companies figure that if you are all living in the same house eventually they will have a chance to drive your vehicle and because of that they have the right to get more money to insure them.

Answer 3

Give us some more details. If your sister's bf was driving your car and got stopped and showed your insurance card, yep it's perfectly legal.

Secondly, why in the world would you alway anyone with a bad driving record drive YOUR car!

I know I'm making assumptions here. But letting folks drive your car without knowing their driving history isn't all that wise. Letting them drive your car knowing their bad driving history is actually less than wise. I'm also assuming that you all live under the same roof and have the same insurance policy. Change one or the other as soon as you can.

I don't like being this candid, but I hope you find this info helpful.

Answer 4

If he is living in the same household they can cancel. Some companies, if you show proof of his insurance will still insure you but it would depend on his driving record. If he is living in the household he will have a greater chance of driving your vehicle. You can exclude drivers on your policy but I will never do that for a client. If you excluded him as a driver and he backed up your car to move it out of the way and got in an accident there would be no coverage. You need to contact a company that will accept his proof of insurance to keep him off your policy.

Answer 5

Possibly, if he drove your car? The owner of a vehicle is responsible for the driver....if they are over 21 and have a good driving record you still take a chance. That's part of being grown up and being responsible. The owner must mske sure all is legal, even the driver. Good luck. Always say NO. Especially to anyone not known to you to be responsible. That's your responsibility.

Answer 6

if your sister`s boyfriend is on your policy they can do it or if he had an accident wile driving your car... if this is not the case is not legal, if it was mi father`s mother`s sister`s and all relatives insurance was canceled because of my driving record and i`ve been pulled over and i`ve been ticketed by the police in them cars
the tickets you get go to your personal record not to the car

Answer 7

in the journey that your sister's boyfriend is not in any respect correct both for your vehicle nor for your coverage then your coverage human beings gained't cancel your coverage. So he must be correct one way or the different. i comprehend they are unlikely to cancel MY coverage because of your sister's boyfriend's using record

Answer 8

its legal if you was letting him drive it,,and the insurance company found out about it,or he got a ticket in it,and they ran his license through on the computer,,your insurance probably just covered you,and you only,,they have the right to do that though,,good luck,i hope this help,s.,,have a good x-mas.

Answer 9

was he driving your car or the car that is in the name of both you and your sister? If so the answer is yes because he wasn't included on the drivers "approved" list when you signed up for your insurance.

Answer 10

insurance companies can make there own rules or so it seems,i had the same thing happen when my son still lived at home.they said that becuase he was in the same house he had access to my keys and that was there logic about it,he had his own car and insurance and i had to get a notorized statement to that effect for the insurance company

Answer 11

It is legal, because you are residents of the same location. However, only a few companies do it. Why don't you get a quote from a different company here http://www.kqzyfj.com/click-2177451-10426215 and who knows, you may even save money.