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Started By
Message
re: Daughter not listen on policy, gets in a wreck.
Posted on 10/14/25 at 6:10 pm to BluegrassCardinal
Posted on 10/14/25 at 6:10 pm to BluegrassCardinal
The car is covered. You'll have to list her as a secondary driver in the household now. This is for Louisiana though.
Im surprised that by age 19 your insurance didnt contact you had asking if your child is covered under another car insurance once she got her license, if not they will forcefully make you add her.
Millions of families do this. Doesn't make it right but I get it. They have to cover her if she is a resident of your home and your child. Car insurance rates are a complete legalized money racket.
Im surprised that by age 19 your insurance didnt contact you had asking if your child is covered under another car insurance once she got her license, if not they will forcefully make you add her.
Millions of families do this. Doesn't make it right but I get it. They have to cover her if she is a resident of your home and your child. Car insurance rates are a complete legalized money racket.
This post was edited on 10/14/25 at 9:34 pm
1
Posted on 10/14/25 at 6:12 pm to BluegrassCardinal
What a Complete convenient overlook of not adding a teenager to your auto insurance!!
Posted on 10/14/25 at 6:16 pm to BluegrassCardinal
quote:
Massive screwup on my end
Posted on 10/14/25 at 6:17 pm to BluegrassCardinal
Who owns the car?
Posted on 10/14/25 at 6:20 pm to anc
quote:
If your daughter lives with you, you should be fine. Just say she is an occasional driver.
I think it's the other way around. At least in Louisiana. If the child doesn't live with you there is a loophole (debatable) where the vehicle is covered when the child or anyone else is only an "occasional" driver. Essentially the same as letting a friend drive your car.
Eta: you will have to add her to the policy now though
This post was edited on 10/14/25 at 6:24 pm
Posted on 10/14/25 at 6:20 pm to BluegrassCardinal
quote:
side swiped a semi
Posted on 10/14/25 at 6:22 pm to xBirdx
quote:
Just say she borrowed the car.
They will cover it.
Not sure they will if her address on her license is the same as the parents'/vehicle registration. She either has to be covered or explicitly excluded.
We've been through this and the only loophole is when a child "lives" with one parent and "borrows" a vehicle registered to the other parent.
Posted on 10/14/25 at 6:24 pm to MRTigerFan
quote:
think it's the other way around. At least in Louisiana. If the child doesn't live with you there is a loophole (debatable) where the vehicle is covered when the child is only an "occasional" driver.
Bingo. I have been through this with teen and adult children in college who have their mother's address on their license. If you get along with the ex spouse you should definitely take advantage of this loophole
This post was edited on 10/14/25 at 6:26 pm
Posted on 10/14/25 at 6:26 pm to mikelbr
quote:
license. If you get along with the ex spouse you should definitely take advantage of this loophole
It’s borderline fraud. Insurance companies get pissy.
Posted on 10/14/25 at 6:27 pm to mikelbr
My daughter has her own apt, with her name on the lease.
She borrows my car….
She borrows my car….
Posted on 10/14/25 at 6:27 pm to Chad504boy
quote:
Insurance companies get pissy.
frick em
Posted on 10/14/25 at 6:29 pm to nola tiger lsu
quote:
Depends on the application and policy. Were you asked about regular operators and household members. There are likely applicable exclusions but also companies in certain states can rescind the entire policy for the material misrepresentation. You are expecting coverage while not paying premium for the risk.
Yep. In Georgia, any licensed driver who lives full-time in your home must be on the policy whether they drive the car or not, which eliminates someone living in your household “borrowing” the car.
Could be different in KY. Either way, i would play very fricking dumb during any interaction with your insurance company. Answer their questions and don’t volunteer a bit of extra information.
Posted on 10/14/25 at 6:29 pm to BluegrassCardinal
In Mississippi it’s the car that’s insured. I didn’t put my kids on my policy until I had to. When one them did get in a wreck my agent said i had to put them as the driver or else they would cancel it. It was BS.
Posted on 10/14/25 at 6:29 pm to Chad504boy
My agent told me not to list her, that they will cover the first one.
I specifically asked
I specifically asked
Posted on 10/14/25 at 6:31 pm to xBirdx
quote:
My agent told me not to list her, that they will cover the first one.
I specifically asked
Yep. It's not fraud to let a kid borrow your car. It's "temporary".
Posted on 10/14/25 at 6:32 pm to anc
quote:
If your daughter lives with you, you should be fine. Just say she is an occasional driver.
No. Absolutely wrong. If she lives with them and they didn't list her on the policy she's going to be an excluded driver. Matters not a single bit if she's an "occasional driver".
Insuring young drivers cost a fortune. You think insurance companies are going to buy the " it was just everyone once in a while" lie?
If they did , no one with any sense would insure their kids, just say they were an occasional driver once the shite hits the fan and hope they get away with it.
This post was edited on 10/14/25 at 7:45 pm
Posted on 10/14/25 at 6:33 pm to xBirdx
quote:
My agent told me
Have him email you next time
Posted on 10/14/25 at 6:39 pm to BluegrassCardinal
"My daughter borrowed the car".
Years and years ago i had some stupid 96 Impala on 20" Daytons and I went out of town and had a friend drop me off at the airport and i told him he could use my car. He went to the lakefront and got hit by a drunk dtiver with no insurance. My insurance paid out no issue and I got a new car.
Your allowed to let people borrow your car. As long as they aren't excluded from policy.
Years and years ago i had some stupid 96 Impala on 20" Daytons and I went out of town and had a friend drop me off at the airport and i told him he could use my car. He went to the lakefront and got hit by a drunk dtiver with no insurance. My insurance paid out no issue and I got a new car.
Your allowed to let people borrow your car. As long as they aren't excluded from policy.
Posted on 10/14/25 at 6:41 pm to BluegrassCardinal
quote:
Damage to some sort of fuel tank cover and the skirt. No clue on what we are looking at in damages
Is it large national type of company with a large fleet or a small, more local company? Large company is probably in a captive program and may pay out of pocket then subrogate against your carrier. Then your carrier will decide whether to pay or not. They’ll likely pay it then decide how handle it with you.
Posted on 10/14/25 at 6:41 pm to Chad504boy
quote:
My agent told me
Have him email you next time
Exactly. But don't wait. Make him do it now. If he does you can just sue him if the shite hits the fan. If he refuses or stalls, you better get your arse to an honest agent.
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