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Message
re: Daughter not listen on policy, gets in a wreck.
Posted on 10/14/25 at 8:12 pm to BluegrassCardinal
Posted on 10/14/25 at 8:12 pm to BluegrassCardinal
quote:no way you just happen to not realize you weren’t paying out the booty hole to insure your teenager.
Here’s the fun part, wife tells me she was not listed our policy. We got the policy when she hardly drove at all. She’s 19 and goes to work in that older car.
But ‘grats on the boatload of money you saved. Hope you stashed it away for when it finally bit you in the arse.
0
Posted on 10/14/25 at 8:16 pm to BluegrassCardinal
Which carrier is it?
I live in Kentucky and deal with insurance regularly. It will depend on the carrier and policy language. Odds are they will provide liability coverage (the property damage to the truck).
The damages to your vehicle is more of a question. With what you describe it sounds like misrepresentation on the policy because you failed to disclose the risk of this driver living in your household.
I live in Kentucky and deal with insurance regularly. It will depend on the carrier and policy language. Odds are they will provide liability coverage (the property damage to the truck).
The damages to your vehicle is more of a question. With what you describe it sounds like misrepresentation on the policy because you failed to disclose the risk of this driver living in your household.
Posted on 10/14/25 at 8:18 pm to HarveyBanger
Liberty mutual
Posted on 10/14/25 at 8:28 pm to BluegrassCardinal
According to this it’s not only children with a license, but anyone with a license living under your roof should be included or be specifically excluded. And if they are away at college they should still be included.
Good luck.
Good luck.
quote:
In Kentucky, auto insurance policies generally require you to list all licensed drivers who live in your household, including your children, or they must be specifically excluded from the policy (though this means they would not be covered if they drove).
Key points regarding children and auto insurance in Kentucky:
• Licensed Teen Drivers: Once a child obtains their driver's license (not just a permit), you must typically add them as a driver to your policy.
• Household Residents: Most insurance companies require that all licensed drivers residing in your home be disclosed and listed on the policy.
• Students Away at College: If a child is away at college but still uses your vehicle when they are home (even for visits), they usually need to remain listed on your policy.
• Permit: Generally, a child driving with a learner's permit is covered under the policy without being explicitly listed, as long as they are driving with a licensed adult as required by law, but you should always confirm this with your insurance agent.
Not listing a required driver can lead to claims being denied, policy cancellation, or other issues if they are involved in an accident. It is best to contact your insurance agent directly to ensure you are complying with your specific policy and Kentucky laws.
Posted on 10/14/25 at 8:40 pm to BluegrassCardinal
Depends on who is at fault and if there was a police report filed.
Posted on 10/14/25 at 8:45 pm to BluegrassCardinal
Maybe no one heard.
Posted on 10/14/25 at 9:01 pm to nola tiger lsu
quote:Troll game weak. This is absolutely correct in Lousiana. The car is covered and the liability will cover the other party.
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.
This post was edited on 10/14/25 at 9:31 pm
Posted on 10/14/25 at 9:04 pm to BluegrassCardinal
As long as she wasn’t specifically excluded you should be ok.
Posted on 10/14/25 at 9:13 pm to BluegrassCardinal
The CARRRRRRR has insurance on it. If you go get in a car with no insurance the insurance you have on your daughter’s car doesn’t follow you. Screw the insurance let those suckers pay
Posted on 10/14/25 at 9:26 pm to BluegrassCardinal
A local Louisiana State Farm agent posted this last week, and the same post is on other agents’ social media as well:
“Effective October 15- If someone regularly drives your vehicle, they must be listed on your policy — whether they live with you or not.
? This includes:
• Anyone who regularly drives your car once a month or more
• Anyone who drives your car at least three months a year
• For business vehicles: anyone who regularly drives your vehicle for any reason
?? You also have a duty to notify us of changes within 90 days of that change. This means if someone starts (or stops) driving your vehicle regularly, you’re required to update your policy within that window.
?? Why this matters:
• Protects you from uncovered claims ??
• Keeps your policy accurate & compliant ??
• Ensures the right people are properly covered ???
?? Bottom line: If they drive it, they need to be on it (or formally excluded) — and you need to let us know within 90 days.”
“Effective October 15- If someone regularly drives your vehicle, they must be listed on your policy — whether they live with you or not.
? This includes:
• Anyone who regularly drives your car once a month or more
• Anyone who drives your car at least three months a year
• For business vehicles: anyone who regularly drives your vehicle for any reason
?? You also have a duty to notify us of changes within 90 days of that change. This means if someone starts (or stops) driving your vehicle regularly, you’re required to update your policy within that window.
?? Why this matters:
• Protects you from uncovered claims ??
• Keeps your policy accurate & compliant ??
• Ensures the right people are properly covered ???
?? Bottom line: If they drive it, they need to be on it (or formally excluded) — and you need to let us know within 90 days.”
Posted on 10/14/25 at 9:28 pm to xBirdx
quote:If the address on her drivers license is the same as her parents’ address, that’s going to raise suspicion. And there’s going to be a police report that has her statement from the scene of the crash that may contradict OP saying she was only borrowing the car.
Just say she borrowed the car.
They will cover it.
You’re telling OP to commit insurance fraud
Posted on 10/14/25 at 9:35 pm to BluegrassCardinal
Permissive use is going away for major carriers. If a driver uses your car more than once a month or more than 3 months a year, they must be listed.
Claims for undisclosed drivers has gotten out of control and policy language will be changed to reflect these coverage changes.
If you let a friend borrow a car they are fine. If you have a youthful driver that uses the car for work, they need to be listed. They may pay this claim, but they will either require you to add her or non-renew you.
Claims for undisclosed drivers has gotten out of control and policy language will be changed to reflect these coverage changes.
If you let a friend borrow a car they are fine. If you have a youthful driver that uses the car for work, they need to be listed. They may pay this claim, but they will either require you to add her or non-renew you.
Posted on 10/14/25 at 9:40 pm to BluegrassCardinal
quote:This is the part that’s likely to bite you in the arse. On the policy application forms that you and/or your wife signed, there’s probably a section that you sign acknowledging that you’ve disclosed all drivers in the household.
We got the policy when she hardly drove at all.
If she was already driving when this policy was first taken out, you can’t even make the argument that it was a mistake and you just forgot to call to add her to the policy when she got her license.
quote:If they take the position that they’re going to deny the claim because they think you lied to them, they’re going to deny the entire claim…not just your car’s damage.
I’m sure insurance won’t even think about covering our damage, however I wonder if they will cover the damage to the truck.
Posted on 10/14/25 at 9:42 pm to BluegrassCardinal
If its your car and she has a valid driver's license the insurance should cover it. Unless your policy specifically says that she's not allowed to drive any of your cars.
Posted on 10/14/25 at 9:44 pm to sharkfhin
quote:
Troll game weak. This is absolutely correct in Lousiana. The car is covered and the liability will cover the other party.
I have first hand knowledge of policies being rescinded in Louisiana for this exact issue. If you materially misrepresent in Louisiana and intent is proven (which can be inferred from circumstances) the policy can be rescinded.
Posted on 10/14/25 at 9:45 pm to nola tiger lsu
It won't
But ok
But ok
Posted on 10/14/25 at 9:55 pm to sharkfhin
quote:No its not if there was concealment or fraud on the insured’s part.
Troll game weak. This is absolutely correct in Lousiana. The car is covered and the liability will cover the other party.
Reread his OP. He mentions they got this policy when the daughter was barely driving. So she was driving at the time of application. On the application, they would have been asked to disclose all drivers that are members of the household or that regularly use a vehicle on the policy. If you sign that application while knowingly omitting a driver that should have been listed as required by the insurer, the insurance company is well within their right to deny the claim.
Posted on 10/14/25 at 10:01 pm to anc
quote:
If your daughter lives with you, you should be fine. Just say she is an occasional driver.
Just went through this. Except someone hit my car my daughter was driving and they were at fault.
Our insurance had to investigate to see if she was at fault. But first thing they ask is if she had permission to use the car and if she was a household member.
I told them she had permission but wasn’t a household member. An insurance person said they may not cover if she’s a member of your household and not listed. I had her put her moms address on her license. The car is under my address.
This post was edited on 10/14/25 at 10:05 pm
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