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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General Insurance

Do I need to put everyone in my household on my policy?

It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.

General Insurance

My son is 19 and is in the service and will be overseas the next month. Is this covered by the definition of exclusion?

As long as you can provide proof of a separate address, you should be able to remove your son from your policy completely. Every company is different so you will need to check with your specific company.

Eligibility

I'm listed as the primary driver instead of my wife, but I've never driven or had license in 71 years. Should I be charged as a driver on the policy?

Hello, Your wife should most definitely be listed as the primary insured on the policy since she is the primary driver. Since you do not drive, you can be excluded.

Motorcycle Insurance

Do I have to be under my wife's auto policy if I have my own motorcycle insurance?

Hello, Put short, yes, you must be listed on your spouse's insurance policy. However, if you never drive her vehicle (and see yourself doing so in the future), it's likely that you can have yourself excluded from her policy.

Coverage & Claims

I was rear ended but I’m an excluded driver of the vehicle, will the damages be covered?

Typically when you're rear-ended, the other driver is at-fault. If they are found at-fault and they have insurance, their insurance company should pay for the damages and you being an excluded driver would not matter.

General Insurance

Can an insurance company refuse to remove a child from my policy?

All members of your household, that are of driving age, need to be listed on your policy. You can either list them as a driver or you can exclude them.

Coverage & Claims

Will my rate change if I remove my non driving wife from insurance policy?

The only rate change you might expect is a rate decrease. Because there are fewer people driving on the policy, there is less risk associated with your policy.

Eligibility

Is it fraud to list an ex-spouse on your car insurance for a lower rate?

If they are legally divorced then he cannot list her on the policy if she does not drive his cars. If they are not legally divorced then he will need to list her on the policy but exclude her the policy if she is not driving the vehicles.

Car Insurance Costs
Eligibility

Can my insurance company make me carry insurance on my 20yr son living w/me?

Yes, everyone that lives in your household that is of legal driving age needs to be listed on the policy. The reason is they have access to the car.

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.
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