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Coverage & Claims

Should we keep our adult son's car insurance in our name?

Put simply, if your son is on your insurance policy, you can be held liable for the damages he causes. You can put him on his own policy, but the rates will very likely be higher.

General Insurance

In Tennessee can not at fault driver be blamed if they didn't have insurance?

The other party would not be responsible for the damages. They can be ticketed and have their license suspended but you can still be found at fault.

Coverage & Claims

Do I need to file a claim if the other driver's insurance is taking care of it?

Since she will be filing a claim, you do not need to file a claim. Her insurance company will be the one that pays for the damages.

Coverage & Claims

Can an insured driver use their insurance to cover an uninsured vehicle after an accident?

No. Car insurance follows the vehicle, not the driver.

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

Am I legally required to insure my son's car?

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.

Coverage & Claims

Is car insurance cheaper if your spouse can't drive?

You would not be able to remove your spouse from the policy, even if they don't drive. What you would need to do is exclude them as a driver.

Car Insurance Costs

Does my 20 year old need his own car insurance policy?

Since he lives in Florida, he will need to get his own policy. He is still considered a young driver and Florida requires Personal Injury Protection (PIP) which makes the rates more expensive than Tenessee.

Eligibility

Who needs to be on the insurance and the title?

You would both need to be on the policy since he will be driving the car and you will own it. If you will not be driving the car, he can get the policy in his name but you will need to be listed as an excluded driver, which means you are not covered to drive the car.

General Insurance

Will my insurance change after I pay off the loan?

The financial status of your vehicle does not impact your rates. If you decreased the coverage to liability only then you would see a significant decrease in your rates.
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