General Insurance

Why did my insurance company automatically add my daughter to my policy when she has her own insurance?

If your daughter lives with you and you two share an address, your insurance company is probably assuming that she may sometimes drive your vehicle, at which point she would need to be a named driver on your policy. If she has her own car — and doesn't drive yours — it could be possible for you to have her excluded from your policy.

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Eligibility

How can I get my daughter removed from my insurance?

Thanks for your question. Since she is receiving her mail at your address, that is considered her residence.

Coverage & Claims

Is a hydroplaning accident my daughter's fault?

Unfortunately, insurance companies list almost all single-vehicle accidents as at-fault on your claims history. This would be considered an at-fault collision accident. There is no other party at fault and this can be seen as a failure to maintain control of the vehicle.

General Insurance

When do I need to add my child with a learners permit to car insurance

You should add your daughter and the new car to your policy if she'll eventually be driving it once she gets her license. This will prevent the insurance company from having any reason to deny a claim in the event of an accident. If you're interested in learning more information regarding car insurance for teens, see our guides below: Car insurance for teens Car insurance for 16-year-olds Car insurance for 17-year-olds Car insurance for 18-year-olds If you have any further questions, don't hesitate to ask.

General Insurance

Will a non-owners policy be cheaper and right for my daughter?

A non-owners policy is cheaper than a standard policy. To qualify for a non-owners, your daughter cannot own a car or have regular access to a specific car.

Coverage & Claims
Eligibility

Can my husband be liable for his ex-wife's uninsured vehicle?

In this situation, yes - your husband and his ex can be held liable for the damage. It's important to note that liability insurance follows the driver, not the car.

Eligibility

Can my mom add me and my car to her policy?

There's a couple of things to consider before your mom can add you to her policy. Do you live with your mom?

Eligibility
General Insurance

When can I drop my daughter from my car insurance?

Yes, you should be able to exclude her from your policy. If she is excluded, she will not be covered to drive your car.

Eligibility

How should I handle my daughters' car insurance when they're in college?

While it can vary by your insurer, I would recommend getting your daughters' their own policy and simply paying the bill. Because you own the vehicles, you should be added as the additional interest to the policy.

Coverage & Claims

Can I file a claim against the driver if I was in the car?

Since your daughter was at fault, your insurance will not pay for your injuries under your bodily injury liability coverage. That coverage will only cover the passengers of the other vehicle.

Eligibility

How do I handle car insurance for my 40yo daughter?

Since she lives with you and will be driving your car, you will want to add her as a driver to your current policy. This is typically the most cost-effective as well since you already have a policy established.
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