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Car Insurance Costs
Coverage & Claims

If I wrecked my daughter's car and she is covered on my policy, how do I keep her rate from increasing?

The first thing I'd like to address is the concern about your daughter's portion of the premium increasing. Since you are both covered on the same policy the overall premium is going to increase if a claim is filed.

Car Insurance Costs

How do I get my daughter's accidents off of my record so they don't impact my rate?

You would need to get a separate policy that does not include your daughter for her previous claims to no longer impact your rate. However, if you are the one who filed the claims for her accidents then those are likely on your record rather than hers.

General Insurance

Can I remove a vehicle from my policy if it is broken down?

If the vehicle isn't being driven then you don't have to insure it. However, Florida requires any registered vehicle to be insured so you may need to suspend the vehicle registration as well if you decide to remove it from your policy.

Car Insurance Costs
Coverage & Claims

If my daughter caused less than $1,000 in damage to another car, should we still file a claim or pay out of pocket?

I would agree with your assumption. In Kentucky, an at-fault accident impacts rates by an average of $917 per year (page 58 of the report).

Car Insurance Costs
Coverage & Claims

If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?

The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.

Coverage & Claims
Driving History
Eligibility

How to get insurance with a bad driving record?

Given the extensive list of violations on her driving record, she would probably find the best result by contacting a local agent in her area. Local agents that represent multiple insurance companies should be able to place her with a provider that will accept the amount of her violations and offer coverage.

General Insurance

Should my daughter have her own insurance policy?

It would make the most sense for her to have her own policy since she will be traveling, and potentially living, in multiple states after no longer being considered a student. Her "home address", as far as an insurance company is concerned, is where she keeps the vehicle for at least 6 months out of the year.

Car Insurance Costs
Coverage & Claims

Why did my rate go up over $1,000 per year after my daughter's not at fault accident?

First and foremost, I think you should consider shopping around for a new company. Although "not at fault" accidents can have a negative impact on your rate, that certainly seems like an exorbitant increase.

Eligibility

Can I insure my daughter's car on my policy without listing her as a driver?

It sounds like she would be regularly driving the vehicle, since she will be using it to get to work, so she will need to be listed as a driver. Premium avoidance, not listing someone who regularly drives a vehicle, can cause your insurance company to cancel your policy.

Coverage & Claims

If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?

In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.
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