Coverage & Claims

Is my son covered if he got into an accident before being added to our policy?

Sorry to hear about your situation. It's hard to say if your insurance company is wrong to deny the claim without knowing your specific policy details.

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Car Insurance Costs

MIP at 18, I am getting it dismissed and expunged. Do not have my license yet, will insurance be affected?

MIP is a non-moving violation, which does not impact your insurance rates. When it comes to the cost, if you're around 18-20 you can expect your premium to be quite pricier than those paid by older folks.

General Insurance

What is the cheapest car to have my teenage son drive?

With most companies, all drivers on the policy are covered to drive all cars on the policy. This means vehicles are not typically assigned to a driver.

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 son's accident on my policy affect my rates?

It will impact both of your rates. He will show an accident on his driving record.

Eligibility

Do I need my parent's consent to get car insurance?

No, since you will be driving your parent's car, they will need to add you to their policy. There are a few reasons.

Coverage & Claims

Can I limit to children to only drive the cheapest vehicle?

California operates under a "rated driver" pricing system in auto insurance. Basically, all drives must be "rate" to a particular vehicle.

Car Insurance Costs

Is it possible to have our teenager on a separate auto policy as my wife and I?

Typically, it is not cheaper to have your child on a separate policy. Some of the big rating factors are credit and current insurance status.

Coverage & Claims

Should I file a claim for my son's accident?

When it comes to filing a claim there are a few things to keep in mind. First, is your son listed on your policy as a driver?

Coverage & Claims
Driving History

Can my daughter stay on my car insurance policy after I transfer the title of the car to her?

There's a couple of things to think about here. First, it sounds like your daughter will be going to college away from your listed residence.

Coverage & Claims

Lying about the primary driver on a car insurance policy wrong

It is considered illegal to lie about who the listed primary driver is and who actually drives the car most frequently. Depending on the situation, it can either be classified as a misdemeanor or a felony.
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