Car Insurance Costs

How can my daughter, age 19, get affordable car insurance?

Her best bet, because of her age and high cost of insurance in Florida, would be to get added on to a family member's policy of the household where she lives. Once she has been insured for at least 6 months she should qualify for lower rates because of the discount for being continuously insured.

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General Insurance

What address should I use for a new car insurance policy if I am about to move to a different state but don't know the address?

You should use the address where you are currently living, especially if you don't know the address of the place where you are moving. The problem is, you will likely have to start a new policy once you move to Wyoming since each state has different insurance requirements. This also means that you will have to cancel your previous insurance policy and hope for a refund.

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General Insurance

Is it mandatory to list my adult child on my policy if they live in my home but will not drive my vehicle?

Insurance companies generally require that any person living in the household be listed on your policy regardless of driving status. If a member of your household won't be driving your vehicle then you can normally exclude them from coverage or have them listed as a non-driver.

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If a car has full coverage under someone else's name, can I open another policy on that car under my name?

The simplest solution would be to request that the owner add you to the existing policy. Insuring the vehicle on two separate polices violates the insurance contract of the owner's policy.

General Insurance

Is my teenager covered to drive my vehicle if he is not listed on my policy?

If your son is driving your vehicle on a regular basis then he absolutely needs to be covered as a driver. Avoiding a premium increase by not listing people who drive your vehicle regularly is fraudulent and could result in some extremely negative outcomes especially if that person is involved in an accident behind the wheel of your car; namely, a denied claim and a huge repair bill.

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How long do you have to be insured before you can file a claim?

Your son would be covered as soon as he is added to the insurance policy so as long as the incident happens after the fact then he should be covered. That being said, if he files a claim within a short period of time after being added to the policy then your insurance company is likely to investigate further to make sure the damage didn't occur before he was listed as a driver.

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Is my fiancé covered to drive my car if she is not listed on my policy?

If she will be driving the vehicle more than once per month then she will need to be listed as a driver on your policy. If she is not listed and involved in an accident while driving your vehicle then you could be faced with a denied insurance claim.
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