Re: Insurance inquiry

sunshine45 · ‎03-09-2010

with our insurance company we dont HAVE to exclude a driver. if we want to pay a bit more than what we were paying then we can without the exclusion. we had to do this with our daughter who was in an accident. she was driving a car with her name and my name on it and had an accident. our insurance went up (on the car, but not on anything else) and the rate increase will be removed in three years i believe. we have ERIE INSURANCE and use a broker for all of our insurance needs.

did not want to remove her from our policy because she is a big help when my mom needs rides places. my mom will be 83 this year, has a car, and doesnt want to drive that much anymore.

********************************************
"The world is a dangerous place, not because of those who do evil, but because of those who look on and do nothing." - Albert Einstein

on the bay · ‎03-09-2010

@bonnielu,

Wouldn't you know the one time you let someone drive-so sorry that happened.

When we lived in MD years ago we had Erie insurance-McCardle agency. Always so responsive and great to deal with. Had one really non accident and they handled it all well. I see they have 4.7 rating and still going strong.

And yes you should always be able to get a hold of someone in some way at insurance companies.

"If you walk the footsteps of a stranger, you'll learn things you never knew. Can you sing with all the voices of the mountains? can you paint with all the colors of the wind?"

FancyPhillyshopper · ‎05-02-2017

The issue is that YOU filed a claim based on the accident your grandson caused.

If you would have made him fix the car out of his own pocket, without a claim, then you would be fine and no problems.

The insurance company probably figures that someone who has an accident in less than a month because they do not know how to park will be having accidents regularly. If you have full coverage that will cost them a fortune. What if they had to fix the lamp and the wall as well?

I have one very old car, and the only car insurance I have on it is liability. In other words, my insurance will cover damage to other cars and other people, but whatever happens to my car is on me.

Hopefully your grandson will never have any accidents, or cause problems in your house or property, since he is now seen as a potential risk for everything.

Yes, you should always be able to reach an agent and an agency.

1Professor · ‎12-07-2014

@FancyPhillyshopper wrote:

The issue is that YOU filed a claim based on the accident your grandson caused.

If you would have made him fix the car out of his own pocket, without a claim, then you would be fine and no problems.

The insurance company probably figures that someone who has an accident in less than a month because they do not know how to park will be having accidents regularly. If you have full coverage that will cost them a fortune. What if they had to fix the lamp and the wall as well?

I have one very old car, and the only car insurance I have on it is liability. In other words, my insurance will cover damage to other cars and other people, but whatever happens to my car is on me.

Hopefully your grandson will never have any accidents, or cause problems in your house or property, since he is now seen as a potential risk for everything.

Yes, you should always be able to reach an agent and an agency.

@FancyPhillyshopper @bonnielu @nikkisaunt1 @NicksmomESQ + all

As a former trial attorney, I suggest you read your policy.

No, you cannot have accidents and NOT report them with someone else paying. Your contract has you report all accidents. It's part of assessing the risk insurance companies are allowed to do. Plus every accident lessens the value of a car.

You also can't have anyone drive the car without reporting that another person is driving your car.

I don't think it's a good lesson to a grandson or anyone to cheat the insurance company. Honor the contract. Report accidents. Deal with it.

If your contract obligates you to report accidents AND YOU DO NOT, they have the right to drop you and it would be hard to find any company willing to pick you up.

Please don't tell me folks do it all the time.

So what.

NicksmomESQ · ‎08-19-2014

@1Professor wrote:
@FancyPhillyshopper wrote:

The issue is that YOU filed a claim based on the accident your grandson caused.

If you would have made him fix the car out of his own pocket, without a claim, then you would be fine and no problems.

The insurance company probably figures that someone who has an accident in less than a month because they do not know how to park will be having accidents regularly. If you have full coverage that will cost them a fortune. What if they had to fix the lamp and the wall as well?

I have one very old car, and the only car insurance I have on it is liability. In other words, my insurance will cover damage to other cars and other people, but whatever happens to my car is on me.

Hopefully your grandson will never have any accidents, or cause problems in your house or property, since he is now seen as a potential risk for everything.

Yes, you should always be able to reach an agent and an agency.
@FancyPhillyshopper @bonnielu @nikkisaunt1 @NicksmomESQ + all

As a former trial attorney, I suggest you read your policy.
No, you cannot have accidents and NOT report them with someone else paying. Your contract has you report all accidents. It's part of assessing the risk insurance companies are allowed to do. Plus every accident lessens the value of a car.

You also can't have anyone drive the car without reporting that another person is driving your car.

I don't think it's a good lesson to a grandson or anyone to cheat the insurance company. Honor the contract. Report accidents. Deal with it.

If your contract obligates you to report accidents AND YOU DO NOT, they have the right to drop you and it would be hard to find any company willing to pick you up.

Please don't tell me folks do it all the time.
So what.

@1Professor I agree that all accidents should be reported in a timely manner,which means about 30 days ,or the carrier can deny coverage for late notice. However, If you're in a one car accident & no one else is involved,with minimal damage, & no injuries,a lot of people make the repairs & never report it.The problem arises when there's another vehicle involved with possible injuries.You're taking a heck of a chance "settling" with another driver for the physical damage to his vehicle.He can come back a year later & sue you for bodily injury. If you never reported the accident coverage will be denied.

As far is allowing someone to drive your car who isn't a named insured on the policy: That's allowed on an occasional basis.Someone living in your household who regularly drives your car must be named. If you give your friend permission to drive your car for a day & they have an accident,you're fully covered for the accident.Of course depending on the circumstances your policy may get canceled.

bikerbabe · ‎03-09-2010

Our policy allows permissive occasional use by someone else because the policy follows the car not the driver.

You might be dinged on your rates going forward because of an accident, but it is not true that your car being driven by someone else is automatically not covered. What is required is that they had permission by you to drive the car on that occasion.

As with any accident, depending on the circumstances, they might cancel you because that’s what insurance companies do. 🫤

1Professor · ‎12-07-2014

@NicksmomESQ wrote:
@1Professor wrote:
@FancyPhillyshopper wrote:

The issue is that YOU filed a claim based on the accident your grandson caused.

If you would have made him fix the car out of his own pocket, without a claim, then you would be fine and no problems.

The insurance company probably figures that someone who has an accident in less than a month because they do not know how to park will be having accidents regularly. If you have full coverage that will cost them a fortune. What if they had to fix the lamp and the wall as well?

I have one very old car, and the only car insurance I have on it is liability. In other words, my insurance will cover damage to other cars and other people, but whatever happens to my car is on me.

Hopefully your grandson will never have any accidents, or cause problems in your house or property, since he is now seen as a potential risk for everything.

Yes, you should always be able to reach an agent and an agency.
@FancyPhillyshopper @bonnielu @nikkisaunt1 @NicksmomESQ + all

As a former trial attorney, I suggest you read your policy.
No, you cannot have accidents and NOT report them with someone else paying. Your contract has you report all accidents. It's part of assessing the risk insurance companies are allowed to do. Plus every accident lessens the value of a car.

You also can't have anyone drive the car without reporting that another person is driving your car.

I don't think it's a good lesson to a grandson or anyone to cheat the insurance company. Honor the contract. Report accidents. Deal with it.

If your contract obligates you to report accidents AND YOU DO NOT, they have the right to drop you and it would be hard to find any company willing to pick you up.

Please don't tell me folks do it all the time.
So what.
@1Professor I agree that all accidents should be reported in a timely manner,which means about 30 days ,or the carrier can deny coverage for late notice. However, If you're in a one car accident & no one else is involved,with minimal damage, & no injuries,a lot of people make the repairs & never report it.The problem arises when there's another vehicle involved with possible injuries.You're taking a heck of a chance "settling" with another driver for the physical damage to his vehicle.He can come back a year later & sue you for bodily injury. If you never reported the accident coverage will be denied.

As far is allowing someone to drive your car who isn't a named insured on the policy: That's allowed on an occasional basis.Someone living in your household who regularly drives your car must be named. If you give your friend permission to drive your car for a day & they have an accident,you're fully covered for the accident.Of course depending on the circumstances your policy may get canceled.

@NicksmomESQ

I get concerned with the people who read these community boards and think something is okay to do, when it may ultimately hurt them. Getting your policy cancelled hurts.

Your policy will say that you DO have to report the accident, even solo. It is data that goes to the risk of insuring you and the value of the car PLUS bad repairs cause problems in future incidents.

One category of person who regularly has "solo" accidents, for example, is elderly people with impaired vision, declining cognition, declining agility. They might have relatives telling them to just get it fixed, no report. WRONG. Just trying to avoid rates going up.

If there is some car insurance policy that does not require the reporting of all repairs and accidents to a car, I'd be wildly surprised to find that out. No insurance company would agree to that.

sunshine45 · ‎03-09-2010

in our area, minor accidents and small fender benders, the police wont even always come out to write a report anymore. it has become a waste of their time. the cars involved just exchange insurance information if they want and let the insurance companies handle it.

anyone who drives our cars are covered.....even my daughter who they wanted to exclude last year.

********************************************
"The world is a dangerous place, not because of those who do evil, but because of those who look on and do nothing." - Albert Einstein

Sage04 · ‎07-10-2011

@bonnielu was it a lot of damage to the vehicle?

CelticCrafter · ‎03-09-2010

@1Professor wrote:
@FancyPhillyshopper wrote:

The issue is that YOU filed a claim based on the accident your grandson caused.

If you would have made him fix the car out of his own pocket, without a claim, then you would be fine and no problems.

The insurance company probably figures that someone who has an accident in less than a month because they do not know how to park will be having accidents regularly. If you have full coverage that will cost them a fortune. What if they had to fix the lamp and the wall as well?

I have one very old car, and the only car insurance I have on it is liability. In other words, my insurance will cover damage to other cars and other people, but whatever happens to my car is on me.

Hopefully your grandson will never have any accidents, or cause problems in your house or property, since he is now seen as a potential risk for everything.

Yes, you should always be able to reach an agent and an agency.
@FancyPhillyshopper @bonnielu @nikkisaunt1 @NicksmomESQ + all

As a former trial attorney, I suggest you read your policy.
No, you cannot have accidents and NOT report them with someone else paying. Your contract has you report all accidents. It's part of assessing the risk insurance companies are allowed to do. Plus every accident lessens the value of a car.

You also can't have anyone drive the car without reporting that another person is driving your car.

I don't think it's a good lesson to a grandson or anyone to cheat the insurance company. Honor the contract. Report accidents. Deal with it.

If your contract obligates you to report accidents AND YOU DO NOT, they have the right to drop you and it would be hard to find any company willing to pick you up.

Please don't tell me folks do it all the time.
So what.

If I back MY car into MY lampost or garage door or garbage can and don't feel like making a claim I'm not reporting it to the insurance company. I don't care what you say or what the insurance policy says. AND, as long as they have a valid license I can let anyone drive my car, no need to let the insurance company know.