I don't feel it's right for an insurance company to charge me more for someone who will never drive my truck. even if they have their own vehicle.
2007-12-07 15:53:32 · 8 answers · asked by scroguj 1 in Cars & Transportation ➔ Insurance & Registration
Awesome thank you for the information. IIt helped a lot!!!
2007-12-07 16:58:34 · update #1
Insurance companies conduct a household report as part of their underwriting process, just like they run your Motor Vehicle Report and CLUE (Comprehensive Loss Underwriting Exchange) to determine "potential" exposure. In your case, it sounds like they found some people that were not listed on your application. Sometimes, these are people that lived in the house a long time ago!
Normally we will send out a letter letting you know about this and ask you to come in and sign some papers to add or exclude them from your policy. If you don't reply, we can't reply to the insurance company and they will automatically add them to your policy and make your rates go up - especially if there is a youthful driver in the house. I have seen companies that want to exclude anyone 14 and over!
In some States, the definition of insured are 1) the named insured 2) spouse and 3) residents of the household. So, if all of these folks are insured by definition, the insurance company either wants to list them on your policy (and charge an approriate premium for the risk) or exclude them.
Just tell your agent that you want to exclude these other drivers. If they don't want to do it or can't, look around in your local area for an independent insurance agent and call them. Just look in your phonebook for the PIA or Big I (Trusted CHoice) logos and you will find a professional agent there that can help you. An independent will normally have a dozen or more different companies to choose from to help solve your insurance needs.
Good luck, drive RESPONSIBLY and I hope this helps!
2007-12-07 16:52:01 · answer #1 · answered by Insuranceman 6 · 1⤊ 0⤋
Depending on the state you live in there may different regulations set by the insurance commissoner, so I would check the state's Department of Insurance website to see what they say about excluding drivers. Usually companies do not want to exclude drivers in a household due to the fact that they readily have access to your vehicle. They can essentially pick your keys up and go. You do have some options depending on your carrier's guidelines. Some companies have a driver exclusion waiver that you can sign. This is a great option if you never let that person drive your car. If you have signed the driver exclusion form and that person ends up driving your vehicle and there is a claim there will be no coverage provided under your policy. Another option you can look at discussing with your insurance agent is providing proof of other coverage. If the other members in your household have insurance elsewhere, you can ask your agent if you provide the insurance company with proof of their insurance if they can waive any chargable points on your policy.
Insurance companies, not the agents run reports looking for any licensed drivers in a household. The reports they run list anyone at an address that has a valid drivers license. So you can not just not tell the company, they will end up finding out if you go to another company.
Your best bet is asking your insurance agent. Insurance varies state by state so they are more able to answer your question with accuracy.
2007-12-07 17:45:13 · answer #2 · answered by metro 1 · 0⤊ 0⤋
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2016-09-25 19:09:06 · answer #3 · answered by Madeline 3 · 0⤊ 0⤋
Actually, I don't think you do. It's just that if they are driving it and have an accident - no coverage. I think it is called an exclusion - like no coverage out of state or out of country. If your insurance company won't offer it, ask other companies in your area about it.
2007-12-07 15:58:18 · answer #4 · answered by Mike1942f 7 · 0⤊ 0⤋
Many insurance companies require all licensed drivers in the household to be added to the policy. Just don't tell them that there are more people in your house with driver's licenses and you'll be fine.
2007-12-07 20:43:18 · answer #5 · answered by Anonymous · 0⤊ 0⤋
no because if they cant drive then why should you its not like there going to drive your car
2007-12-07 15:56:34 · answer #6 · answered by Psycogamer96 1 · 0⤊ 1⤋
just those who will be driving your car
2007-12-07 16:01:44 · answer #7 · answered by koma 6 · 0⤊ 1⤋
if they drive ur vehicle then yes otherwise no
2007-12-07 16:33:23 · answer #8 · answered by dimond32 3 · 0⤊ 2⤋