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  1. #1
    Annette
    Guest

    Default ??? about auto insurance

    i live in alabama and i have geico auto insurance. my son just turned

    16 and got his license. do i have to add him to my insurance? a

    friend with grown children told me that he never added his teen

    drivers b/c they were minors and the cars they drove belonged to him

    not them. so he insured his vehicles not the teen drivers. we can

    barely afford our insurance as it is and i am afraid we won't be able

    to afford the policy if we had him.

    TIA,

    annette in alabama








  2. #2
    Monique
    Guest

    Default ??? about auto insurance

    From an insurance agent licensed in 45 states - including AL.

    It depends upon whether or not you want your insurance company to pay a claim if he is involved in an accident. You are required to pay a premium for drivers that you want to be covered by your insurance, as long as they are household members. If you don't want him to be covered by your insurance, then sign an exclusion form, which states that if he drives for ANY reason, including an emergency, he is not covered.

    Currently, if he is stopped by the police, and is asked to present proof of insurance, and he presents your card, but isn't a covered driver on your policy, then he is committing a crime.

    Insurance insures both the vehicles and the drivers. Your friend, though, was lucky. Apparently, his children were never involved in accidents. Remember, too, that your insurance company will defend YOU when YOU are sued, because you're the parent of the kids.

    You're taking a HUGE risk by going the route you're asking about. And, that risk isn't worth it.

    I've seen many claims denied, many policies cancelled, and many parents finances ruined forever for not wanting to pay the premium. Your other option is to have him turn in his license or pay the insurance himself.


    On Dec 13, 2007 4:40 PM, Annette <titus2momof6@yahoo.com> wrote:







    i live in alabama and i have geico auto insurance. my son just turned

    16 and got his license. do i have to add him to my insurance? a

    friend with grown children told me that he never added his teen

    drivers b/c they were minors and the cars they drove belonged to him

    not them. so he insured his vehicles not the teen drivers. we can

    barely afford our insurance as it is and i am afraid we won&#39;t be able

    to afford the policy if we had him.

    TIA,

    annette in alabama






    [/quote]

    --
    Monique




  3. #3
    Karen Holland
    Guest

    Default ??? about auto insurance

    I'm in Maryland and when anyone living in your household turns 15, you have

    to notify the insurance company. My daughter will have to be put on my

    insurance as soon as she is a licensed driver. She has her learner's now, so

    she doesn't have to be on, but as soon as she's licensed, she has to.



    Don't know if it differs by state or not.







    Karen L. Holland






  4. #4
    herberkids3
    Guest

    Default ??? about auto insurance

    I know in Michigan if the teen has a license, his name must be added to

    the insurance policy, or he needs to have his own policy. The reason is

    that teens are much more likely to get into accidents, and the

    insurance company needs to make sure the person is insured. Not all

    policy's cover anyone driving the car, so call Geico and ask.



    --- In Budget101_@yahoogroups.com, "Annette" <titus2momof6@...> wrote:

    >

    > i live in alabama and i have geico auto insurance. my son just

    turned

    > 16 and got his license. do i have to add him to my insurance? a

    > friend with grown children told me that he never added his teen

    > drivers b/c they were minors and the cars they drove belonged to him

    > not them. so he insured his vehicles not the teen drivers. we can

    > barely afford our insurance as it is and i am afraid we won't be able

    > to afford the policy if we had him.

    > TIA,

    > annette in alabama

    >










  5. #5
    Cynthia Lau-Work @Home United
    Guest

    Default ??? about auto insurance

    In Alabama, it depends on the insurance company at what age you add the child.

    Some say 15, 16, some when licensed. Just ask your company. If the child is a

    regular driver, it would be "iffy" to not add them and then they had a wreck.

    The company may decide not to pay.






  6. #6
    Monique
    Guest

    Default ??? about auto insurance

    Auto insurance in MI is very different than insurance in any other state. But, you do bring up an excellent point. In order to get a driver license in just about every state, you have to either show proof of insurance or swear that you have it. So, if Annette&#39;s son showed him mom&#39;s insurance card, but he isn&#39;t listed on the policy, that is fraud.


    On Dec 13, 2007 10:16 PM, herberkids3 <herberkids3@yahoo.com> wrote:







    I know in Michigan if the teen has a license, his name must be added to

    the insurance policy, or he needs to have his own policy. The reason is

    that teens are much more likely to get into accidents, and the

    insurance company needs to make sure the person is insured. Not all

    policy&#39;s cover anyone driving the car, so call Geico and ask.



    --- In Budget101_@yahoogroups.com, "Annette" <titus2momof6@...> wrote:

    >

    > i live in alabama and i have geico auto insurance. my son just

    turned

    > 16 and got his license. do i have to add him to my insurance? a

    > friend with grown children told me that he never added his teen

    > drivers b/c they were minors and the cars they drove belonged to him

    > not them. so he insured his vehicles not the teen drivers. we can

    > barely afford our insurance as it is and i am afraid we won&#39;t be able

    > to afford the policy if we had him.

    > TIA,

    > annette in alabama

    >






    [/quote]

    --
    Monique




  7. #7
    Monique
    Guest

    Default ??? about auto insurance

    What you&#39;ve described in specific to your insurance company.

    On Dec 13, 2007 9:57 PM, Karen Holland <karenholland@myactv.net> wrote:








    I&#39;m in Maryland and when anyone living in your household turns 15, you have

    to notify the insurance company. My daughter will have to be put on my

    insurance as soon as she is a licensed driver. She has her learner&#39;s now, so

    she doesn&#39;t have to be on, but as soon as she&#39;s licensed, she has to.



    Don&#39;t know if it differs by state or not.



    Karen L. Holland




    [/quote]

    --
    Monique




  8. #8
    donnalawn@verizon.net>
    Guest

    Default ??? about auto insurance

    In NJ we have to report any child who is of driving age to our insurance even if

    she or he doesn't have a license. Then they are added to the most valuable car

    on the policy, unless they have a car of their own. At least, that is how I

    understand it according to parents who have been thru it. Our premiums are

    already the highest in the country I'm dreading my daughter's 17th birthday next

    year!





    Donna



    =====================

    From: herberkids3 <herberkids3@yahoo.com>

    Date: 2007/12/13 Thu PM 09:16:19 CST

    To: Budget101_@yahoogroups.com

    Subject: Budget101.com : Re: ??? about auto insurance





    I know in Michigan if the teen has a license, his name must be added to

    the insurance policy, or he needs to have his own policy. The reason is

    that teens are much more likely to get into accidents, and the

    insurance company needs to make sure the person is insured. Not all

    policy's cover anyone driving the car, so call Geico and ask.



    --- In Budget101_@yahoogroups.com, "Annette" <titus2momof6@...> wrote:

    >

    > i live in alabama and i have geico auto insurance. my son just

    turned

    > 16 and got his license. do i have to add him to my insurance? a

    > friend with grown children told me that he never added his teen

    > drivers b/c they were minors and the cars they drove belonged to him

    > not them. so he insured his vehicles not the teen drivers. we can

    > barely afford our insurance as it is and i am afraid we won't be able

    > to afford the policy if we had him.

    > TIA,

    > annette in alabama

    >












 

 
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