Any person with a driver's license in a new Jersey household must be placed in an insurance policy.?

Question

I called my parent's insurance company to get a quote because I am a newly licensed driver. I found the rate to be more than 1,000. I said thanks and good bye. Since the amount was so high, I decided to not drive at all.
A few days later I recieve a bill stating I am on the policy. I called to cancel and they said that in NJ, any licensed driver in a household must be added on to a policy.

Now I am stuck with a bill. Does anyone know if this is New Jersey state law or not?

Answer 1

I don't believe it is a law (but insurance laws vary from state to state), but that is the standard with insurance companies that all licensed household drivers are rated on policies. The premium is then affected by the operators who pose the greatest risk. This is why adding a newly licensed/teen driver will greatly affect the premium.

Unfortunately, once you are rated the only ways to get "unrated" from your parent's policy is to actually surrender your driver's license to the state (if you are truly not driving and have no intention of driving) or possibly find alternate and less expensive insurance for one of the household vehicles with you listed as the principal operator of the vehicle. I don't know what company you are with, but this may or may not even be feasable depending on any discounts your parents are currently receiving and/or any underwriting requirements regarding liability limits that they may need to carry for any other policies they may have, like an umbrella policy.

I would have your parents contact your insurance agent and see if there are any discounts that may be available (like a Good Student Discount) that may reduce the premium or consider raising your current deductibles in order to reduce the premium amounts.

Answer 2

I recommend you to visit this web page where onel can compare rates from different companies: http://cheap-insure.info/index.html?src=2YAsikD1r4mye

RE :Any person with a driver's license in a new Jersey household must be placed in an insurance policy.?
I called my parent's insurance company to get a quote because I am a newly licensed driver. I found the rate to be more than 1,000. I said thanks and good bye. Since the amount was so high, I decided to not drive at all.
A few days later I recieve a bill stating I am on the policy. I called to cancel and they said that in NJ, any licensed driver in a household must be added on to a policy.

Now I am stuck with a bill. Does anyone know if this is New Jersey state law or not?
Follow 3 answers

Answer 3

It's like this in all states. If you have a drivers license and live in the household, you have to be listed on the policy as a driver. If you don't want to pay the bill, go ahead and surrender your license to the state

Answer 4

To add to the poster above me, bear in mind, if you find insurance on your own, your parent's insurance may be at risk if you are in a situation where your policy limits are exhausted.

Talk to a good agent.

Answer 5

No, it is not real. you ought to be a named driving force in case you reside in the kinfolk of the owner OR once you're a huge-unfold driving force of the automobile. somebody no longer residing in the kinfolk who would not function the automobile on a huge-unfold foundation choose no longer be a named driving force on the coverage yet will nonetheless be lined as long as they have the owner's permission to function the automobile or particularly have confidence that they have got the owner's permission. hence you are able to be a named driving force on my coverage and ought to nonetheless function my brother's automobile as long as he gave you permission to accomplish that. In that occasion, my brother's coverage might hide you, no longer mine. this theory is valid with all agencies in the U. S., Canada and uk and maximum different worldwide places to boot. the version between regulations is that some regulations would enhance the coverage of the coverage holder and the coverage holder's kinfolk contributors to different non-owned automobiles. some cut back this to short-term alternative automobiles (alongside with a condo or loaner at the same time as the coverage holder's automobile is out of provider for maintenance) at the same time as different regulations enhance it to the different non-commercial automobile operated via the coverage holder. In only about all circumstances although, this prolonged hide is extra hide to the owner's coverage. If the automobile isn't insured via the owner, the prolonged hide isn't in rigidity.

Answer 6

I would recommend one to visit this internet site where you can compare rates from different companies: http://INSURE-HELP.COM/index.html?src=5YAqqC1AOR8gjm1

RE :Any person with a driver's license in a new Jersey household must be placed in an insurance policy.?
I called my parent's insurance company to get a quote because I am a newly licensed driver. I found the rate to be more than 1,000. I said thanks and good bye. Since the amount was so high, I decided to not drive at all.
A few days later I recieve a bill stating I am on the policy. I called to cancel and they said that in NJ, any licensed driver in a household must be added on to a policy.

Now I am stuck with a bill. Does anyone know if this is New Jersey state law or not?
Follow 5 answers