She insures the vehicle. Her insurance agent said that as long as the vehicle he is driving is insured he does not need to be covered on my policy. He is 20, and in college. Since I don't own the car he is driving I would have to add him to one of my vehicles that he never drives.
2007-07-23 08:08:50 · 10 answers · asked by Joel F 1 in Cars & Transportation ➔ Insurance & Registration
From what I understand, whoever is the owner of the vehicle should have him on their insurance. I think there might also be an allowance if he was driving one of your vehicles and had an accident, they would still cover it since he is your child and had your permission. I'm not an insurance agent, so I don't know for sure. Check with your agent just to make sure.
2007-07-23 08:14:33 · answer #1 · answered by klance05 3 · 1⤊ 0⤋
If he has an accident in her vehicle, her insurance covers it. You insure the car. A driver is just assigned to the car they drive the most, but if you let a friend drive your car, and they have an accident, it is your insurance that pays. Of course, you would hope the friend at least payed the deductible.
To be safe, ask your agent as well.
2007-07-23 08:13:54 · answer #2 · answered by Anonymous · 1⤊ 0⤋
Does he live with you? Does he drive a car owned by you? If not, the problem will be your ex's. If there was an accident, she could be charged with allowing an uninsured driver to operate her vehicle. You would be best served by calling your insurance company. You cannot control what your ex does.
2007-07-23 10:52:20 · answer #3 · answered by sensible_man 7 · 0⤊ 0⤋
There may be slight differences in the policy language depending on what state your ex's policy is written, but there is very likely a "Permissive Use" clause on her policy which covers your son in the event of a loss/accident. Ideally, your ex should add him to her policy as a listed driver. He'll likely be covered by her policy anyway (check the policy docs for the state variance), but her rates may jump higher if a covered but non-listed driver (your son) gets involved in a loss.
Cheers!
2007-07-23 10:33:05 · answer #4 · answered by antiswa77 1 · 0⤊ 0⤋
Since the vehicle he is driving is on your ex-wifes policy and not driving it on a temporary basis then he needs to be added as a driver on that policy.
2007-07-23 08:37:43 · answer #5 · answered by dan b 1 · 1⤊ 0⤋
Pull the stick out of your a s s !!!! There isn't really anything wrong with what is going on and for most kids it's a right of passage with their Dad. Are you deliberately trying to come between the children and their father? If so, that's very small of you. You have a very mean streak in you, don't you? Calling CPS is a miserable bastardly thing to do for something so unimportant plus you are wasting the resources that should be going to children who are in real need of protection not just those that have a petty bitchy stepfather.
2016-05-21 02:36:09 · answer #6 · answered by Anonymous · 0⤊ 0⤋
it depends on your insurance company, but most of the time if he is covered under your insurance he is cover for any car he drives. not to mention most likely your ex-wife insurance also covers him, because most of the time the (her) insurance covers any one not living with her that might borrow her car.
hope that helps a bit
2007-07-23 08:14:38 · answer #7 · answered by Anonymous · 1⤊ 0⤋
i would clarify with agent to be sure. i know it's a phone call but you want to do this the right way so that if on the long shot something goes wrong, you are covered and do not need to stress .
2007-07-23 08:17:03 · answer #8 · answered by Mildred S 6 · 0⤊ 0⤋
Her agent is correct. There is no need to cover him on your policy. He does need to be listed as a driver on her policy though...
2007-07-23 13:44:56 · answer #9 · answered by thx1138too 2 · 0⤊ 0⤋
it is a good idea to get him his own policy on the car he drives to protect the assets of the owner also a good idea to title him the car so if there is a claim anyone who sues can not attach your or your ex-wife's assets
2007-07-23 08:19:35 · answer #10 · answered by newtex 2 · 1⤊ 0⤋