Last post on May 15, 2008 at 9:03 AM
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#144 of 153 teenage driver
May 14, 2008 (6:52 am)
What are the steps necessary to place your child on your insurance policy? A co-worker said his son was driving his car under his insurance policy, because he was a household member. I told him his son wasn't covered because he needed to call his insurance company and have his sons name added to his policy as a driver. Which would increase his rates... correct?
Also, do I need to carry my wifes proof of insurance card when I'm driving her car? I say no, just mine... she says yes.
May 14, 2008 (9:10 am)
I suspect that the answers to your questions may depend upon what state you live in and who your insurance carrier is.
Here in Colorado, I've been with State Farm since I moved here in 1993.
When my stepson turned 15 and got his permit, I contacted my agent. Was told that he was covered under my policy until he got his license, then we'd need to "add" him to our policy. Yes, our rates did increase a little bit.
When we added a third car to the household, he had to be noted as the "primary" driver of one of them. Didn't matter if it was the car he drove regularly, so we put him on the vehicle that would cost him the least. He still had rights to drive any of the cars we had.
Regarding the insurance card, State Farm issues us two - one that stays in the vehicle and the other stays with the primary driver. So, when I drive my wife's car, I have the insurance card for "my" car in my wallet, and the insurance card for "her" car in the glove box. Should something happen, we would use the card in the glove box as that shows the policy number for that vehicle.
Hope that answers your questions.
#146 of 153 Re: jipster [michaell]
May 15, 2008 (7:08 am)
Thanks. I'm meeting up with my friend later on this afternoon. Will ask him if his son has his permit (not lisence), which would explain friend not having his son "added" onto his policy.
We also have State Farm (Ky) insurance. I use to keep the extra insurance card in the glove box. Lately though I think I had both cards in my wallet. So, my wife was right then. Either her insurance card in my wallet or in her glove box.
#147 of 153 Re: Youthful Drive
May 15, 2008 (9:03 am)
The Family Auto Policy covers all members residing in the household. The youthful driver does not have to be reported to the company to have coverage.
When the youthfu driver is SPECIFICALLY EXCLUDED The named insured(s) have to sign a "Driver Exclusion Endorsement".
Quite a few states have ruled that the DEE does not apply due to the state's Financial Responsibility Law (not in the public's interest) minimum of 25/50/10.
In excess of the state's minimum limits, the DEE does apply.
You don't have to report your youth to the company to have him covered. Even if he drives a friend's car that isn't on any insurance and has a crash, the youth is still covered under your primary policy as secondary coverage and he doesn't even have to have a license!