Last post on May 15, 2008 at 8:03 AM
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#146 of 153 Re: jipster [michaell]
May 15, 2008 (6:08 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 (8:03 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!