Coverage & Claims Eligibility

If I give my daughter in Texas my car, does she need full coverage or liability?

Per state requirements in Texas, you only need liability to be legal. If the vehicle has significant value or is newer, I highly recommend getting comp/collision to protect her vehicle as well.
Jun 24, 2020 Dallas, TX

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Eligibility

Do I qualify for USAA if my brothers are active military members?

Typically, USAA requires customers to members of the military themselves. Eligibility also extends to the children of military members as well.
Jun 10, 2020 Greenville, SC

Coverage & Claims

I own my car but it's still insured under my dad. Will his insurance cover my accident?

I would reach out to your dad's insurance provider to see if you can be covered. They may be willing to cover the accident since the policy is still active.
May 14, 2020 Denver, CO

Eligibility

Can I rent a car for my grandson to drive?

It's not likely that any rental company will allow this. Most car rental companies require drivers of their vehicles to be at least 25 years old.
Mar 15, 2020 Frisco, TX

Coverage & Claims Eligibility

Will my car insurance company drop my son from our policy after a wreck?

Sorry to hear about the accident. Unless your son has other serious infractions on his record, I doubt that an insurance company would drop a driver for one loss.
Mar 3, 2020 Alabaster, AL

Car Insurance Costs

Why are my parents' driving records affecting my premium?

You should be able to get your own plan. Because you are in New Jersey, all people in the same household must be on the policy unless you can show proof the other people you live with are insured elsewhere.
Feb 9, 2020 Palisades Park, NJ

Car Insurance Costs

My daughter totaled her car while she was covered under my insurance. How does this affect my rate?

If your daughter was the listed driver and the accident was logged correctly, most companies won't charge that against you. If you are looking to switch insurers and her accident comes up on your claims history, I would obtain proof or confirmation from that company that the claim wasn't yours so it can be cleared.
Feb 6, 2020 Yutan, NE

Eligibility

Do we need to add our nanny to our auto insurance?

I would strongly advise not letting your nanny drive your kids without insurance. If she were to get in an accident, no coverage would be in place and she would have to foot the bill for damages to all vehicles and potential injuries for your children.
Jan 21, 2020 Mount Kisco, NY

Coverage & Claims

Must I list my children on my policy if they have a learners permit or a drivers license in the state of New York?

Thank you for the question. In short, you will run into issues with your insurance company if you are not listing all household members.
Dec 29, 2019 North Babylon, NY

Eligibility

Can my license be suspended if my son wrecked my car without insurance?

Sorry to hear about the situation. I cannot give you a definitive answer as it sounds like this situation will be determined in the courts.
Dec 17, 2019 Anderson, SC

Eligibility

Can I insure my car in New Hampshire if I only live there one month per year?

I would avoid doing that. You might possibly be able to skirt the laws of NY state by doing this and they may not question you or suspend your license since it would appear you're out of state.
Dec 2, 2019 Brooklyn, NY
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