- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Coaching Changes
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: Daughter not listen on policy, gets in a wreck.
Posted on 10/14/25 at 6:54 pm to Napoleon
Posted on 10/14/25 at 6:54 pm to Napoleon
quote:
Your allowed to let people borrow your car. As long as they aren't excluded from policy.
Yes you are correct. But that's entirely different than not listing a member of the household on the policy.
The insurance company can only accurately rate the risk if they are told who is living in the household. Otherwise you are lying and basically committing insurance fraud.
This post was edited on 10/14/25 at 7:13 pm
0
Posted on 10/14/25 at 7:05 pm to BluegrassCardinal
quote:
Wife handled our new auto insurance policy.
quote:
Massive screwup on my end for not overlooking.
Posted on 10/14/25 at 7:15 pm to Jcorye1
You'll have to ask his wife... apparently she handles all the man shite in that family
Posted on 10/14/25 at 7:32 pm to BluegrassCardinal
Good luck. You may want to start handling the important things if something like that gets overlooked. Unsure how that even happens unless you're trying to get out of paying outrageous rates on a teen driver. I don't blame you, but seems like fraud.
Posted on 10/14/25 at 7:37 pm to BluegrassCardinal
If she is not an excluded driver on the policy and you didn’t lie about her living in your household, you should be okay.
Posted on 10/14/25 at 7:40 pm to BluegrassCardinal
quote:
Wife handled our new auto insurance policy. Massive screwup on my end for not overlooking.
If this is a new insurance policy and you didn’t tell them you had someone of driving age living in the house so they could rate them, you may be screwed because they can deny for concealment/misrepresentation depending on how you filed your application for insurance.
Posted on 10/14/25 at 7:44 pm to sharkfhin
quote:
They have to cover her if she is a resident of your home and your child
This is blatantly false. Dont trust this advice.
Posted on 10/14/25 at 7:45 pm to BluegrassCardinal
Does your daughter live with you? If not, you may be okay, but it won't matter if you don't want property damages. Insurance will cover the damage to the other truck. Might get a cancelation notice though.
Posted on 10/14/25 at 7:51 pm to LSUSkip
We had identical situation. Son was driving my truck to LSU from Gonzales. Ran red light and clipped a F150. Progressive paid the claim. Monthly prem for 3 vehicles went from 600/month went to 4 vehicles to $1200/month. Progressive was pissed.
Thats what you're facing now.
Thats what you're facing now.
Posted on 10/14/25 at 7:52 pm to LSUSkip
Living at college right now.
Posted on 10/14/25 at 7:56 pm to xBirdx
quote:
Just say she borrowed the car.
They will cover it.
Poster definitely needs to leave out the part about the daughter regularly using it to go to work.
If living at home after being dropped from policy and if vehicle previously listed as mainly driven by daughter or used by her to only drive to work it’s going to be a more difficult to get around.
My auto insurance doesn’t make it easy to remove a college age kid. I can’t do it online, and I have to call and actually talk to a person who then pushes the negative aspects of dropping the kid off policy that I have to agree to understanding.
Posted on 10/14/25 at 7:57 pm to LSUBanker
Basically, paid the damages. However charged you with “go away” rates. At this point I’ll be blessed if that’s our situation.
I handle the medical, dental, life insurance, mortgage company. My wife dealt with auto. I’m kicking myself in the arse for not asking questions. I f’ed this up big time. I know, too little, too late, but I’m taking it all over tomorrow. What the actual frick
I handle the medical, dental, life insurance, mortgage company. My wife dealt with auto. I’m kicking myself in the arse for not asking questions. I f’ed this up big time. I know, too little, too late, but I’m taking it all over tomorrow. What the actual frick
Posted on 10/14/25 at 8:00 pm to BluegrassCardinal
I’m an attorney. Pics of daughter in exchange for free legal advice.
Posted on 10/14/25 at 8:03 pm to BluegrassCardinal
quote:
Daughter not listen
Mine doesn't either
Posted on 10/14/25 at 8:03 pm to BluegrassCardinal
quote:
Living at college right now.
Where is car usually stored/parked and what was insurance told?
Posted on 10/14/25 at 8:05 pm to xBirdx
quote:quote:
Daughter not listen on policy, gets in a wreck.
Just say she borrowed the car.
They will cover it.
This is Defense Exhibit A in OP’s subsequent lawsuit against his carrier.
Posted on 10/14/25 at 8:05 pm to BluegrassCardinal
quote:
Living at college right now.
This might save you. Keep us posted on how it turns out.
Posted on 10/14/25 at 8:11 pm to dallastigers
Car has been at her dorm.
We’ve not talked to an adjuster yet. I’ll do the talking, my wife can go to her work from home job so nothing else is f’ed up.
We’ve not talked to an adjuster yet. I’ll do the talking, my wife can go to her work from home job so nothing else is f’ed up.
Posted on 10/14/25 at 8:12 pm to BluegrassCardinal
It depend on your insurance company, they all
do it differently.
However, generally, if a resident of your household, they must be listed for coverage to apply. If not a resident and drive the vehicle more than a few times per month, they must be listed. Otherwise, if you simply let someone borrow your car for a one time deal and they get into an accident, permissive use applies and coverage is extended.
do it differently.
However, generally, if a resident of your household, they must be listed for coverage to apply. If not a resident and drive the vehicle more than a few times per month, they must be listed. Otherwise, if you simply let someone borrow your car for a one time deal and they get into an accident, permissive use applies and coverage is extended.
Posted on 10/14/25 at 8:12 pm to xBirdx
Been there done that with all 3 of my kids
Now I think something in La has changed as they ask about kids now
Now I think something in La has changed as they ask about kids now
Page 3 of 4
Popular
Back to top
Follow TigerDroppings for LSU Football News