My daughter is 17 and lives with us in our CA home. She has her license and has been bugging me to let her drive my car. She says she does not need to be on our insurance because she is an occasional driver and insurance follows the car not the driver. Her father will be getting her a car and insurance within the next 2 months, and she believes she doesn't need to be added to our insurance. My husband says she can't drive it unless she is added as a driver. Someone please help ease this drama in my home. Who's right in this situation?
2007-08-04 08:30:13 · 11 answers · asked by Mzballa14 1 in Cars & Transportation ➔ Insurance & Registration
just add her to ur insurance or get her a separate car
its just a matter of time before she gets her complete freedom.
make sure shes a good driver though.
2007-08-04 09:21:06 · answer #1 · answered by Moore55 4 · 0⤊ 0⤋
Im not trained on the insurance laws in CA. But where im at if a person lives in your home, and is a child under 18, and has a license they need to be added as a operator on the policy. I believe either way she would be covered because insurance follows the veh, but for safety sake just put here on your policy, it shouldn't increase your rates any.
2007-08-04 16:07:22 · answer #2 · answered by D.L. 4 · 1⤊ 0⤋
If she lives at home and has a license she should have been added as a secondary driver when she got her license. Without her added, and the additional premium that will bring, she is not covered. If you read your policy it probably says no one under age 24 can drive your vehicle and be covered.
Your husband is right.
2007-08-04 09:06:51 · answer #3 · answered by oklatom 7 · 1⤊ 1⤋
It depends on your policy really. Read your policy carefully and find out if it allows for unlisted drivers. Most likely, it will require that she be added. Insurance for a teenaged driver is hugely expensive. Tell her if she can't wait two more months with some patience and respect you may have to reconsider getting her a car at all.
2007-08-04 08:36:01 · answer #4 · answered by rohak1212 7 · 1⤊ 1⤋
Unless you have a policy that covers anyone who drives your car (and that usually is someone over 25) she needs to be on your policy to be covered. Expensive lesson to be learned if you don't check with your insurer and she gets in a wreck. Actually, your husband could be ticketed if she just gets stopped, for letting an uninsured person drive his car.
2007-08-04 09:09:44 · answer #5 · answered by sensible_man 7 · 1⤊ 0⤋
when the driver is under 18 the insurance company wants them listed as a driver because they may think you are trying to get away without paying the higher rates for that person. and you would have to prove she was only an occasional driver and your definition and theirs may very. it could cause you a lot of trouble if you don't list her and something happens!!!
2007-08-04 08:36:12 · answer #6 · answered by george 2 6 · 1⤊ 0⤋
If it incredibly is a handbook automobile you could probably clarify the way all of it works first; if she would be able to't know it on paper, she probably will no longer be able tochronic the dar; many adults have difficulty with handbook transmission autos! If it incredibly is an computerized, and there is not any stumbling blocks for her to hit then i do no longer see why no longer. i think of bypass-Karts would be a competent step too; it incredibly is many times many aggressive drivers first foray. you could could envision with the venues age/top regulations although.
2016-10-13 23:21:10 · answer #7 · answered by ? 4 · 0⤊ 0⤋
I'm not sure, but youd better actually check into it. If she gets into an accident and she isn't covered, you'll be liable for whatever she owes if she was the one responsible for the accident. Not to mention that you would have to pay for hospital bills out of pocket if she got hurt and isn't covered. We're talking potential thousands of dollars, and even tens of thousands of dollars, even hundreds of thousands of dollars if something bad happened, and thats not the time you find out she wasn't covered.
Insurance is a big thing!!!
2007-08-04 08:35:46 · answer #8 · answered by Anonymous · 1⤊ 1⤋
The Husband
2007-08-04 08:33:39 · answer #9 · answered by hakim1125 6 · 0⤊ 2⤋
she needs to be added as a driver.
2007-08-04 08:32:15 · answer #10 · answered by Anonymous · 3⤊ 0⤋