Okay this is my situation. My mom and I have a car, that is in my name alone. I do not drive the car because I simply don't have the money to pay for the high insurance costs. My mom paid for insurance in her name to drive the car. She was listed as an operator. They still put my name on it because the car was in my name. But I was not an operator. And so our costs were low of course. At the time, I had a permit. When I got my license, I input my name and info to add a driver online thinking I would get a quote for how much it was going, but it actually added me, and when I called the company telling them about the misunderstanding, they said they couldn't take my name off the policy as a driver because I have a license, and that the car is accesable to me because I do have a license(liability). Now the premium has gone up excessively. They said that I can't take my name off the policy unless I dont live at home, or give up my license. Is this truly the only options?
2007-03-03 19:54:58 · 7 answers · asked by ajkinkycuffs 1 in Cars & Transportation ➔ Insurance & Registration
Hello Jelly,
Yea they are giving you the correct information with the exception of some states and some carriers. Being that the car is in your name and you are now a licensed driver it is required you be on the insurance policy as well. Excluding you as a driver is not really an option unless like someone said you do not reside in the home or have regular access to the car. I.e. you’re away at collage (Which could be a discount with some insurance carries) or you live out of State something like that, but since you’re the registered owner most carriers will not exclude you. The other option is changing the registration from your name to your moms then excluding yourself from the policy, but this would mean if you drive the car, get into an accident there will be no coverage afforded.
I'm not sure what your age is or other particulars, but I would suggest that if you wish to remain the registered owner of the car start shopping insurance rates. Remember that in some cases if you are a good student you may get a discount for that, plus if you are not the Primary driver that could help somewhat, but regardless you are going to be hit with an inexperienced driver surcharge for at least next 3 years. But there is bright spot, you should start to see a little decrease in price on your policy each time it renews if you remain claim/ticket free and you will be building insurance experience which also earns you discounts with some carries. What this means to you is that each time your policy comes up for renewal you can re-shop the rate and see if there are companies offering better discounts.
I know it's rough right now but insurance will get less expensive as you gain experience and you maintain it as well as stay claim/ticket free, it's somewhat like building credit. We will at first have to endure all types of declinations high interest rates and so on, but as we work hard to maintain our good credit rating eventually better things do come along it's just a matter of time and just enduring.
Good luck hope all works out well for you.
2007-03-04 01:42:50 · answer #1 · answered by deanspurrier 3 · 0⤊ 0⤋
Okay, to answer your question... the answer varies by state.
For instance, in Virginia, what you've said is accurate. In West Virginia, your mother would be allowed to list you as an excluded driver; however, you would NOT be covered if you drove the vehicle if that was done.
The real question is one you seem to be avoiding, though. Do you drive the car? If you do, you're basically committing insurance fraud by not being listed on the policy. The insurance company has a right to rate for the appropriate drivers of a vehicle.
If you don't drive the car, then that's different. But if you ARE driving the car, then stop looking for ways to get around the inevitable.
Incidentally, regardless of what you might have put in the computer online, the company will randomly run records through the state motor vehicles system to check for valid licenses. They would have caught up with you eventually anyway.
2007-03-04 04:42:05 · answer #2 · answered by ISOintelligentlife 4 · 0⤊ 0⤋
Hi, Jelly
what you are being told is the truth. Anyone in the household that has a license has to be on a insurance policy even if they don't drive a vehicle that's accessible to them. I was told it was the law here in SC, I'm not sure about other states.
Debbie L.
2007-03-04 04:33:52 · answer #3 · answered by Debbie L 3 · 0⤊ 0⤋
your mom could sign a waiver excluding you from access to the car. But with the car being in your name, I'm not sure this is an option (or even a possibility)
But even if she can do this, you CANNOT drive the car! If you drive it & have an accident, not only would your rates go even higher, but your mothers would too. In fact, it's possible you may even lose your license.
2007-03-04 06:47:07 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Yes. They are fully within their rights to charge the correct premium costs to the driver of the vehicle. You have simply been scamming them until now. Either up your deductible amount or shop for lower rates.
2007-03-04 15:51:13 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Yup....without switching carriers, you're stuck. And premium went up "excessively" because you're a higher risk than your mom.
Perfect example why you NEVER tinker around online with your policy unless you know what you're doing.
2007-03-04 11:45:08 · answer #6 · answered by bundysmom 6 · 0⤊ 0⤋