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Message
re: Teenager 1st vehicle question...
Posted on 9/20/18 at 3:43 pm to Chad504boy
Posted on 9/20/18 at 3:43 pm to Chad504boy
quote:Allstate has a rule that came out a year or two ago to stop what you're suggesting. Allstate has it where all licensed drivers who live in your household have to be on your insurance policy unless they have their own insurance. Allstate cannot deny liability in the event of a claim, but can deny collision coverage if that child was involved in a wreck.
Do as you please. They aren’t denying people’s children’s claims who aren’t specifically excluded.
0
Posted on 9/20/18 at 3:46 pm to Chad504boy
Your suggestion was to add the vehicle without adding the son, who will be the regular driver of that vehicle, in an attempt to save money. That is fraud, and it is horrible advice.
Posted on 9/20/18 at 4:47 pm to The Spleen
His fraud is already committed
Posted on 9/20/18 at 6:19 pm to Chad504boy
Sorry to clarify, son is on our policy currently on wife and i’s car.
Just seeing the process on how to do it with a car he will be the primary driver of.
Just seeing the process on how to do it with a car he will be the primary driver of.
This post was edited on 9/20/18 at 6:21 pm
Posted on 9/20/18 at 8:18 pm to BomBayTiger
I handle claims with unlisted drivers all the time. The guy who said add the vehicle and not mention the kid driving it is technically correct.
Unless you purchase a new policy and fail to mention he is a licensed driver and lives in the household. They could deny your claim for fraud/misrepresentation. Even at that it’s hard to do.
You add the vehicle to policy. If you have Renewed with this carrier before then fraud/misrepresentation goes out the window. He gets in wreck and files claim, they’ll ask a bunch of questions of why he’s not listed then they give you option to add or exclude him from policy. Coverage is afforded
ETA: if he does get in wreck and you are forced to add him to policy you will be totally F’d in the A on your premiums
Unless you purchase a new policy and fail to mention he is a licensed driver and lives in the household. They could deny your claim for fraud/misrepresentation. Even at that it’s hard to do.
You add the vehicle to policy. If you have Renewed with this carrier before then fraud/misrepresentation goes out the window. He gets in wreck and files claim, they’ll ask a bunch of questions of why he’s not listed then they give you option to add or exclude him from policy. Coverage is afforded
ETA: if he does get in wreck and you are forced to add him to policy you will be totally F’d in the A on your premiums
This post was edited on 9/20/18 at 8:20 pm
Posted on 9/20/18 at 10:03 pm to BomBayTiger
quote:
Sorry to clarify, son is on our policy currently on wife and i’s car.
You’re totally dumb then. LOL
Posted on 9/20/18 at 10:07 pm to HarveyBanger
quote:
TA: if he does get in wreck and you are forced to add him to policy you will be totally F’d in the A on your premiums
You’ll be F in the A regardless of whether he was on policy or not
Posted on 9/20/18 at 10:24 pm to Chad504boy
quote:
ou’ll be F in the A regardless of whether he was on policy or not
True. My point is if you have to add a teenage driver with an at fault accident on his record to your policy as a rated driver the increase to your premiums would be insane.
You can have him excluded after the accident. Premiums would still go up due to the claim payout but not as much as much as I just mentioned. If he is excluded the risk for the carrier it’s much less bc if he is driving then they aren’t covering. Plain and simple
Posted on 9/21/18 at 12:11 pm to BomBayTiger
My kids rides are in my name and I insure them. I wouldn't do it any other way because I have control... of course good ol' pops is paying for them too. If they want to purchase and insure on their own then they can do whatever they want.
Posted on 9/21/18 at 2:06 pm to HarveyBanger
quote:
I handle claims with unlisted drivers all the time. The guy who said add the vehicle and not mention the kid driving it is technically correct.
Unless you purchase a new policy and fail to mention he is a licensed driver and lives in the household. They could deny your claim for fraud/misrepresentation. Even at that it’s hard to do.
You add the vehicle to policy. If you have Renewed with this carrier before then fraud/misrepresentation goes out the window. He gets in wreck and files claim, they’ll ask a bunch of questions of why he’s not listed then they give you option to add or exclude him from policy. Coverage is afforded
ETA: if he does get in wreck and you are forced to add him to policy you will be totally F’d in the A on your premiums
What if junior suddenly "moves in" with grandma?
Posted on 9/21/18 at 6:32 pm to LSUsmartass
Once they get in an accident and they aren’t listed I’m sending a memo to our policy department to add or exclude him no matter what. I don’t care if it’s the first time he has ever driven the vehicle and he will never drive it again.
Posted on 9/21/18 at 8:19 pm to Chad504boy
quote:
there's coverage unless specifically excluded.
if a company picks the driver up at a renewal time, so be it.
Chad is correct.
Signed,
Former Adjuster
Posted on 9/21/18 at 10:53 pm to dragginass
quote:
Chad is correct.
Wet is water.
They still think I’m the dummy too. Oh well.
Posted on 9/24/18 at 8:00 am to BomBayTiger
quote:
My son is 17 and we will be purchasing him a used vehicle.
I assume I just put the vehicle in my name, and put it under my insurance with my other vehicles, and add him as a driver.
Any other suggestions or is this a pretty straight forward deal?
You probably already know this, but if you finance a vehicle, they will force you to have full coverage. If you own the vehicle outright, you can get a lower premium through liability only. Not sure how much of an impact this will have for a teenage driver, though.
Posted on 9/24/18 at 8:08 am to BomBayTiger
Add in another $200+ month, more if male....
My daughter is 16 and just completed drives ED. But she will be sharing 2 vehicles with 3 drivers until 18.
But, yes add to your insurance. If in college, they can be on your insurance until they graduate or turn 25 last i checked.
I would put the car in your name. and when they graduate college, do an act of donation to them if value is less then max gift amount allowed.
My daughter is 16 and just completed drives ED. But she will be sharing 2 vehicles with 3 drivers until 18.
But, yes add to your insurance. If in college, they can be on your insurance until they graduate or turn 25 last i checked.
I would put the car in your name. and when they graduate college, do an act of donation to them if value is less then max gift amount allowed.
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