Will carriers see other car insurance policies in my name?

It's likely that your car insurance company will see if you have car insurance with another company. Most carriers run reports for discount purposes to see if you are already insured.

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General Insurance

My two kids live at home and drive my cars. Should I give the cars to them and have them handle their own insurance?

If you want to transfer the titles, you can do that through your state's DMV. The kids would list themselves on the policy only and remove themselves from your policy since the cars are no longer under your name.

Coverage & Claims

Are excluded drivers covered if they're not at fault for the accident?

If the excluded driver was driving but another party hits them, the at-fault party is still responsible for paying for the damages. Had the accident been caused by an excluded driver, the insurance company is under no obligation to honor that claim.

General Insurance

What is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?

The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.

General Insurance

How do I decide if I my mother is fit to drive?

Hello, This is a common problem with many drivers of advancing age. It's really impossible for anyone other than your mother's doctors to determine her ability to get behind the wheel.

Eligibility

Is my 18-year-old son covered on my car insurance if he still lives with me?

If your son is living in your home, he needs to be listed on the policy as either a driver or an excluded driver. An excluded driver means they are not covered to drive the car at all.

Eligibility

How can I enroll just my child to another insurance policy while I stay with Geico?

This can be tricky. My best recommendation is simply to contact GEICO.

Coverage & Claims

Does my dad have to file a claim if I totaled his car?

Yes. Your father will need to file an insurance claim unless he plans to pay out of pocket for the damages to the other vehicles and not be compensated for his vehicle.

Coverage & Claims
Eligibility

Can I insure a vehicle that I don't own?

Great question! You are correct that you will need a separate policy from your mom since you don't live together. As far as insuring the vehicle under your name, you shouldn't have a problem doing so.

Coverage & Claims

Do I need a police report to file a claim?

Accidents that occur on private property do not require a police report in order to file a claim. Your familiarity with the other driver does not impact your ability to file a claim, however the fact that he is uninsured means that you will have to pay your deductible for the repairs.
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