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Post by liya on Jul 5, 2018 21:05:03 GMT
My SO (I usually call him DH because it’s easier but we are not married) son just got his license. Right now I have the only working car in the house. “DH” is using his motorcycle. Anyway I don’t think son should be driving my car until he is insured. Am I correct? I have car insurance of course but does he need it as a driver? I plan on calling my agent tomorrow but he will need to be added to his Dad’ s plan.
I hope I’m making sense. I’m on my phone and it’s kind of a pain to type out. TIA
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Post by KelleeM on Jul 5, 2018 21:10:27 GMT
Yes he needs to be added to a policy to be covered. New drivers are expensive to insure!
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Post by Basket1lady on Jul 5, 2018 21:15:38 GMT
You can call now. It's a pretty quick set up. I've only had teen drivers while living in Virginia. We are required to have our teen drivers insured, regardless if they drive our cars or have a car to drive. Otherwise, the teen has to suspend their license and give it back to the state. At least this is what USAA told me when DS went to college 1,300 miles from home. We do get a discount because of the distance. $126 a year (discount). Whoo hoo. Not!
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Post by littlemama on Jul 5, 2018 21:16:43 GMT
Licensed? Yes, he absolutely needs to be insured.
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Post by cbet on Jul 5, 2018 21:18:52 GMT
My son no longer lives with me, but drives my car fairly frequently. This is what I got from my agent: If I give someone permission to drive my car, as long as they are a licensed driver, they are covered under my insurance. If they have their own insurance, their insurance takes precedence. But he is over 18 and like I said, doesn't live at my address. I do know that she also shared a story about someone whose boyfriend borrowed her car without permission and had a wreck, and because she told them that he didn't have permission to drive the car, her insurance didn't cover the accident.
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Post by needmysanity on Jul 5, 2018 21:23:44 GMT
If he lives under your roof and has his license he needs to be on the insurance policy. If his primary address is elsewhere but occasionally uses your vehicle he is covered under your policy even if he is not on there.
If he does not live with you, the only way he is NOT covered is if you exempted him from the policy - in other words specially stated in the policy he isn't driving any vehicles.
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Post by workingclassdog on Jul 5, 2018 21:35:15 GMT
So in Colorado if you have a permit you don't have to add them on until they have their real license.. I am assuming he has his real license not a permit. If so yes he has to get on your policy!!
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Post by pattyraindrops on Jul 5, 2018 22:01:06 GMT
It is really going to depend on the laws of your state. Calling the insurance is the best place for info.
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Deleted
Posts: 0
Jun 17, 2024 3:05:00 GMT
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Post by Deleted on Jul 5, 2018 22:03:21 GMT
So in Colorado if you have a permit you don't have to add them on until they have their real license.. I am assuming he has his real license not a permit. If so yes he has to get on your policy!! Same here in Indiana. |
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Post by twistedscissors on Jul 5, 2018 22:05:12 GMT
So in Colorado if you have a permit you don't have to add them on until they have their real license.. I am assuming he has his real license not a permit. If so yes he has to get on your policy!! Same here in Indiana. Same in KY. My DD even wrecked my car with her permit and insurance paid with no questions. |
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Post by shamrock on Jul 6, 2018 0:02:01 GMT
Same in KY. My DD even wrecked my car with her permit and insurance paid with no questions. DH tells me it’s the same here in KS. I hope so bc DS just got his permit! |
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JustTricia
Pearl Clutcher
Posts: 2,835 
Location: Indianapolis
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Post by JustTricia on Jul 6, 2018 1:57:15 GMT
If he lives under your roof and has his license he needs to be on the insurance policy. If his primary address is elsewhere but occasionally uses your vehicle he is covered under your policy even if he is not on there. If he does not live with you, the only way he is NOT covered is if you exempted him from the policy - in other words specially stated in the policy he isn't driving any vehicles. That depends on the state. My minor son’s physical address is my ex-husband’s and I still have to carry insurance on him through my policy. I have verified that twice with my insurance company, with a friend that works for a different insurance company, and with two additional company’s I got quotes from. I also asked today about what I can do when he is over 18, assuming he would only be driving my car on rare occasions (vacations, etc). I was told that it’s a grayer area, but if he would only drive it once every few months, he could be removed. More than once every three months or so is still considered an occasional driver and would need to be covered. Obviously the gray area is people would say if they wrecked it was the first time they had ever driven the car. |
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Post by wholarmor on Jul 6, 2018 7:23:45 GMT
In WA, my daughter is covered by my insurance on her permit until she gets her license. Then she needs to be added to our insurance. But laws DO vary state to state, so there ya go.
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Post by liya on Jul 6, 2018 13:22:01 GMT
Thanks everyone. I called my agent and they suggested he be covered under a policy before he drives my car. He did drive it when he had his permit but since it is now the only working car in the household I am more nervous about it. He is being put on SO policy.
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