??? about auto insurance

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      Be careful, Melissa. If they both represent the same insurance company, then one of them provided you with wrong information. No agent can make up his own rules, and the agent that told you that you did need to add your daughter wouldn't have made a lot in commissions, for his answer to have been ruled by money.

      Make sure that the agent you switched to provided accurate information. If he's wrong, and there's a claim, it can be denied. Then, you'd have to sue the agent (his E&O policy would pay) after the fact.

      One moment, I just re-read your post. I'm not sure that I took it the right way. When the agent said “NO”, was he saying that there was no need to add her, and pay the additional premium, or was he saying that she wasn't automatically covered? Generally, if a college student, away more than 100 miles, and without a vehicle, is covered, without premium.

      However, if that student is home for more than 2 weeks, you need to add them to the policy, and remove them when they leave.

      On Dec 16, 2007 7:41 PM, M F <milicaf35@yahoo.com> wrote:

      I read about the rules being different in each state. I have Farmers. I have a DD in collage 700 miles away, with no car.

      So I asked my agent if I can insure her 1 month at winter break and 3 months during summer and he told me no. I then called another agent and asked him the same question and guess what. He told me that it is acceptable, he did that when his kids were away at collage.

      Go figure. Needless to say I switched agents not insurance company.

      Melissa

      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” 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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