2007-01-10 15:39:05 · 3 answers · asked by pennyrobin2000 1 in Cars & Transportation ➔ Insurance & Registration
Insurance is for the vehicle damage, in the case of an accident, not for the driver...
Unless you have PIP, which is personal injury protection and that's for the person...
If there is a loan on the car, you might be required to have both vehicle damage coverage and bodily injury protection...
I believe the insurance will cover him no matter what vehicle he happens to be in at the time of an accident...
That way he is also protected as a passenger while you are the main driver...
If you are divorced or separated the insurance covers him because he lives with you under your roof as a minor and you are required to pay for your minor child till they are 18...
2007-01-10 15:47:18 · answer #1 · answered by aspenkdp2003 7 · 2⤊ 1⤋
Everyone who lives in your household must be on your policy. That's standard practice industry-wide.
Since he is primary on another policy you can list him as a "prohibited" or "excluded" driver on your car and should not have to pay any additional premium. Your insurance company may want a copy of the declarations page from his policy as proof that he's covered on another policy.
2007-01-11 05:37:19 · answer #2 · answered by Bostonian In MO 7 · 1⤊ 0⤋
Is he under 18 and living at your address? If so, he is on your insurance if he has a license, even if he doesn't have a car.
2007-01-11 03:32:52 · answer #3 · answered by oklatom 7 · 1⤊ 0⤋