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Started By
Message
2
Posted on 2/27/17 at 11:25 am to patchesohoulihan_007
Your proof states that all drivers in the household are covered on the parents policy. That doesn't mean you can hide that your kid got a license and drives the vehicle.
From your link:
In many cases, everyone in the same household is actually required to be included on the vehicle’s insurance policy.
From your link:
In many cases, everyone in the same household is actually required to be included on the vehicle’s insurance policy.
Posted on 2/27/17 at 11:26 am to patchesohoulihan_007
quote:
Not sure what you are laughing at I just provided proof.
You provided proof that youre wrong?
quote:
everyone in the same household is actually required to be included on the vehicle’s insurance policy.
Posted on 2/27/17 at 11:31 am to dshort_bruh
quote:
You provided proof that youre wrong?
How bout you quote the whole line baw
quote:
In many cases, everyone in the same household is actually required to be included on the vehicle’s insurance policy
Yes in many cases that is true. I was assuming the dude asking the question would know if he was one of those cases bc it would be written in his policy.
Posted on 2/27/17 at 11:34 am to The Mick
quote:
Your proof states that all drivers in the household are covered on the parents policy. That doesn't mean you can hide that your kid got a license and drives the vehicle
It's not hiding anything it's using a loophole to your advantage. There are many cases where someone not on a policy would have to drive a car that isn't their own. This loophole allows you to not pay a higher premium for your kids learning to drive until you get them a vehicle.
I don't care if I convince yall of the truth or not I know I'm 100% correct.
This post was edited on 2/27/17 at 11:35 am
Posted on 2/27/17 at 11:37 am to patchesohoulihan_007
quote:You (essentially) said in Louisiana the kids are automatically included without the need to add them to the policy. That's just not correct. I wish it was. In your scenario everyone's premium would be the same with teen drivers as it was with only mom and dad driving.
Yes in many cases that is true. I was assuming the dude asking the question would know if he was one of those cases bc it would be written in his policy.
Posted on 2/27/17 at 11:39 am to patchesohoulihan_007
quote:
patchesohoulihan_007
I write insurance in LA, and if you were right, I would have much happier clients.
Posted on 2/27/17 at 11:44 am to BamaCoaster
quote:
I write insurance in LA, and if you were right, I would have much happier clients
And if you informed them of their options they would have lower premiums, however less commission for you. Just joking, not accusing you of lying to your clients.
So what your saying is if you give me permission to drive your car and I get in a wreck the insurance company will not pay. That's not true.
This post was edited on 2/27/17 at 11:46 am
Posted on 2/27/17 at 12:15 pm to patchesohoulihan_007
You're correct.
The insurance company would pay. Yours.
Coverage follows the driver in almost all situations.
However, if you were my child, residing in my residence, and you were not insured, there is no way that insurance would cover. Nor should you expect it.
The insurance company would pay. Yours.
Coverage follows the driver in almost all situations.
However, if you were my child, residing in my residence, and you were not insured, there is no way that insurance would cover. Nor should you expect it.
Posted on 2/27/17 at 12:26 pm to The Mick
quote:
The ONLY alternative is to get them their own policy. Every driver must be covered, period.
lol ANY person that drives the vehicle of the insured is covered if consent is given by the owner/insured (State insurance regulations). That being said the insurance company will want all listed drivers under the household for proper premium reasons. Also your driving record will be tarnished if they get in an accident and will effect your rates for the next 3-5 years regardless of where you get insured.
Posted on 2/27/17 at 12:42 pm to BamaCoaster
I have been involved in the situation first hand. I can tell you the child wasn't covered and the insurance company paid in full. I've asked a separate agent about it. Unless the child is listed as an exclusion on the policy it is covered.
Posted on 2/27/17 at 2:05 pm to patchesohoulihan_007
quote:
I have been involved in the situation first hand. I can tell you the child wasn't covered and the insurance company paid in full. I've asked a separate agent about it. Unless the child is listed as an exclusion on the policy it is covered.
So, you're saying that there is no reason at add your child to your insurance?
You should go into insurance. You'll save people thousands.
Posted on 2/27/17 at 6:28 pm to BamaCoaster
quote:
So, you're saying that there is no reason at add your child to your insurance?
You should go into insurance. You'll save people thousands.
I'm saying I have first hand experience using a loophole. I asked to make sure it wasn't just negligence of my agent and I slipped through the cracks one time. Take it for what you will.
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