Automobile insurance basic questions - Page 2

gresch · #11 07-23-2008, 12:54 PM

Quote:

Originally Posted by B-Line

Gresch,

Thanks for the clarification. Here is where I'm still a bit confused.

Jodi and I have been living together for a very long time. Before we were married, I did not need to have her on my policy as she had her own car and her own insurance. According to my agent, it was fine that she wasn't on my policy.

So based on what you're saying, now that we are married, that changes?

As boyfriend/girlfriend, living together we need not be on each other's policies, even if, on occasion, we drove each others cars, but as a married couple, we need to be.

??

Thanks,

It varies by carrier. If the carrier's rules say that you have to list everyone in the house who even occasionally drives your cars, then do so. The bottom line is that insurance companies are asking a more detailed questions about their insureds to combat fraud, which in my opinion is a good thing, because it's the scammers and fraudulent claims that are making the rest of us pay exhorbitant premiums to cover their schemes. Are the insurance companies making money hand over fist? absolutely, but anything that they can do to weed out the scammers and charge less to us honest policy holders is a good thing in my book.

PNG is correct on the "the insurance follows the car, not the insured". A good example of this is if you valet your car and the attendant damages the car, it's still covered, even though you weren't driving it.

Now if you tell your carrier that your new wife/girlfriend whom you live with NEVER drives your car, then don't list her. But if she has an accident and the company can prove that she's a frequent driver of the cars on your policy, then they can deny the claim and you're SOL.

x54.4blue · #12 07-23-2008, 01:00 PM

Quote:

Originally Posted by gresch

It varies by carrier. If the carrier's rules say that you have to list everyone in the house who even occasionally drives your cars, then do so. The bottom line is that insurance companies are asking a more detailed questions about their insureds to combat fraud, which in my opinion is a good thing, because it's the scammers and fraudulent claims that are making the rest of us pay exhorbitant premiums to cover their schemes. Are the insurance companies making money hand over fist? absolutely, but anything that they can do to weed out the scammers and charge less to us honest policy holders is a good thing in my book.

PNG is correct on the "the insurance follows the car, not the insured". A good example of this is if you valet your car and the attendant damages the car, it's still covered, even though you weren't driving it.

Now if you tell your carrier that your new wife/girlfriend whom you live with NEVER drives your car, then don't list her. But if she has an accident and the company can prove that she's a frequent driver of the cars on your policy, then they can deny the claim and you're SOL.

It is my limited understanding that rules of coverage vary by state, in some state the company must provide coverage with little exception.

gresch · #13 07-23-2008, 04:50 PM

Quote:

Originally Posted by x54.4blue

It is my limited understanding that rules of coverage vary by state, in some state the company must provide coverage with little exception.

I lived in California for 3 years, I'm familiar with the laws/rules in that state.

x54.4blue · #14 07-23-2008, 10:40 PM

Quote:

Originally Posted by gresch

I lived in California for 3 years, I'm familiar with the laws/rules in that state.

Thats good.

x54.4blue · #15 07-23-2008, 10:41 PM

Quote:

Originally Posted by gresch

I lived in California for 3 years, I'm familiar with the laws/rules in that state.

It must of been during your limited happy carefree period

gresch · #16 07-24-2008, 03:23 AM

Quote:

Originally Posted by x54.4blue

It must of been during your limited happy carefree period

Do you enjoy proving your ignorance day in and day out?

Quicksilver · #17 07-24-2008, 04:50 AM

No offense intended But...............

You're right Blue you have a "limited understanding" of California insurance regulations and their rules
so perhaps it might be better if you sit back and learn from this thread instead of commenting spuriously.

Quote:

Originally Posted by x54.4blue

It is my limited understanding that rules of coverage vary by state, in some state the company must provide coverage with little exception.

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