Re: Question for Auto Insurance Agents/Employees

Irshgrl31201 · ‎03-18-2010

@151949 wrote:
I always thought that if I borrow a car and have an accident that MY insurance covers it, that it's the driver, not the car that's insured.

No it is the car not the driver except with rentals. Say if your friend was driving your car and she got into an accident that was her fault, your insurance would cover it unless the cost was more than your insurance covered and then in that case her coverage would cover the rest if she had better coverage. If it didn't then you would be responsible for the rest. That is how my insurance agent explained it.

Those who make peaceful revolution impossible will make violent revolution inevitable.
JFK

CelticCrafter · ‎03-09-2010

@Moonchilde wrote:
Are there auto insurance companies who will cover a very occasional, unplanned/unforeseen driver (like 1-2 times a year) without them being on the policy? I have always lived alone and insured only myself. I am now living with relatives, either one of whom *might* need to drive my car in an unplanned emergency, maybe once or twice in a year. When you list drivers for insurance quotes, if all drivers have clean histories, is your premium higher than if you just listed one driver? Does this vary from state to state? If I did not have someone listed and they drove my car and were involved in an accident, do ALL insurance companies refuse to pay? It's been a long time since I've had to worry about this - years ago a policy covered whoever drove your car ;-(

If they are listed on another policy, have their own insurance don't list them as drivers on yours, occasional driver or not.

If they are listed on your policy, have an at fault accident or get a ticket while driving their own vehicle, your rates will increase on renewal when the comany runs the license numbers as part of the renewal process.

The agent should have told you that.

WenGirl42 · ‎07-05-2012

@CelticCrafter wrote:
@Moonchilde wrote:
Are there auto insurance companies who will cover a very occasional, unplanned/unforeseen driver (like 1-2 times a year) without them being on the policy? I have always lived alone and insured only myself. I am now living with relatives, either one of whom *might* need to drive my car in an unplanned emergency, maybe once or twice in a year. When you list drivers for insurance quotes, if all drivers have clean histories, is your premium higher than if you just listed one driver? Does this vary from state to state? If I did not have someone listed and they drove my car and were involved in an accident, do ALL insurance companies refuse to pay? It's been a long time since I've had to worry about this - years ago a policy covered whoever drove your car ;-(
If they are listed on another policy, have their own insurance don't list them as drivers on yours, occasional driver or not.
If they are listed on your policy, have an at fault accident or get a ticket while driving their own vehicle, your rates will increase on renewal when the comany runs the license numbers as part of the renewal process.
The agent should have told you that.

The reason she was asking is that she doesn't have the option NOT to list them as drivers, unless she excludes them. Then if there were an emergency situation such as she described, they would not be covered. I believe that's the outcome she's trying to avoid.

Moonchilde · ‎05-23-2010

@WenGirl42 wrote:
@CelticCrafter wrote:
@Moonchilde wrote:
Are there auto insurance companies who will cover a very occasional, unplanned/unforeseen driver (like 1-2 times a year) without them being on the policy? I have always lived alone and insured only myself. I am now living with relatives, either one of whom *might* need to drive my car in an unplanned emergency, maybe once or twice in a year. When you list drivers for insurance quotes, if all drivers have clean histories, is your premium higher than if you just listed one driver? Does this vary from state to state? If I did not have someone listed and they drove my car and were involved in an accident, do ALL insurance companies refuse to pay? It's been a long time since I've had to worry about this - years ago a policy covered whoever drove your car ;-(
If they are listed on another policy, have their own insurance don't list them as drivers on yours, occasional driver or not.
If they are listed on your policy, have an at fault accident or get a ticket while driving their own vehicle, your rates will increase on renewal when the comany runs the license numbers as part of the renewal process.
The agent should have told you that.
The reason she was asking is that she doesn't have the option NOT to list them as drivers, unless she excludes them. Then if there were an emergency situation such as she described, they would not be covered. I believe that's the outcome she's trying to avoid.

Exactly that, @WenGirl42. They will not be driving my car casually, but if I was injured, ill, hospitalized or something, someone *might* need to drive my car home. That's about it. But as was said earlier, the insurance companies now get that issue taken care of on application, proactively, by listing all the drivers of DMV record at the address, and asking "cover these people or exclude them?" so they are pretty much part of the mix by default.

Life without Mexican food is no life at all

Lipstickdiva · ‎03-10-2010

I would definitely listen to what your agent told you. I know in Ohio, some policies are written so that ONLY the people listed on the policy are included should their be an accident, whether you gave them permission to use your car or not.

It's rare but there are such policies out there and I would venture to guess, people don't always know the policy is written that way.

CelticCrafter · ‎03-09-2010

@WenGirl42 wrote:
@CelticCrafter wrote:
@Moonchilde wrote:
Are there auto insurance companies who will cover a very occasional, unplanned/unforeseen driver (like 1-2 times a year) without them being on the policy? I have always lived alone and insured only myself. I am now living with relatives, either one of whom *might* need to drive my car in an unplanned emergency, maybe once or twice in a year. When you list drivers for insurance quotes, if all drivers have clean histories, is your premium higher than if you just listed one driver? Does this vary from state to state? If I did not have someone listed and they drove my car and were involved in an accident, do ALL insurance companies refuse to pay? It's been a long time since I've had to worry about this - years ago a policy covered whoever drove your car ;-(
If they are listed on another policy, have their own insurance don't list them as drivers on yours, occasional driver or not.
If they are listed on your policy, have an at fault accident or get a ticket while driving their own vehicle, your rates will increase on renewal when the comany runs the license numbers as part of the renewal process.
The agent should have told you that.
The reason she was asking is that she doesn't have the option NOT to list them as drivers, unless she excludes them. Then if there were an emergency situation such as she described, they would not be covered. I believe that's the outcome she's trying to avoid.

That's not true, I have gotten on-line quotes for auto insurance and my daughter automatically comes up as a licensed driver once I put our address in. Do I want to include her as a driver on our policy - no mention of specifically exluding her by name as a driver on our policy.

In an emergency, she most certainly would be covered by our policy.

She has her own car and her own insurance.

If the new insurance company badgers the OP about adding drivers all she needs to do is provide the policy information for other licensed drivers in the household.

CelticCrafter · ‎03-09-2010

@Moonchilde wrote:
@WenGirl42 wrote:
@CelticCrafter wrote:
@Moonchilde wrote:
Are there auto insurance companies who will cover a very occasional, unplanned/unforeseen driver (like 1-2 times a year) without them being on the policy? I have always lived alone and insured only myself. I am now living with relatives, either one of whom *might* need to drive my car in an unplanned emergency, maybe once or twice in a year. When you list drivers for insurance quotes, if all drivers have clean histories, is your premium higher than if you just listed one driver? Does this vary from state to state? If I did not have someone listed and they drove my car and were involved in an accident, do ALL insurance companies refuse to pay? It's been a long time since I've had to worry about this - years ago a policy covered whoever drove your car ;-(
If they are listed on another policy, have their own insurance don't list them as drivers on yours, occasional driver or not.
If they are listed on your policy, have an at fault accident or get a ticket while driving their own vehicle, your rates will increase on renewal when the comany runs the license numbers as part of the renewal process.
The agent should have told you that.
The reason she was asking is that she doesn't have the option NOT to list them as drivers, unless she excludes them. Then if there were an emergency situation such as she described, they would not be covered. I believe that's the outcome she's trying to avoid.

Exactly that, @WenGirl42. They will not be driving my car casually, but if I was injured, ill, hospitalized or something, someone *might* need to drive my car home. That's about it. But as was said earlier, the insurance companies now get that issue taken care of on application, proactively, by listing all the drivers of DMV record at the address, and asking "cover these people or exclude them?" so they are pretty much part of the mix by default.

So you exclude them, but they are not specifically named on the policy as excluded drivers - it means no they do not have access to your car on casual, daily basis.

WenGirl42 · ‎07-05-2012

@CelticCrafter wrote:
@Moonchilde wrote:
@WenGirl42 wrote:
@CelticCrafter wrote:
@Moonchilde wrote:
Are there auto insurance companies who will cover a very occasional, unplanned/unforeseen driver (like 1-2 times a year) without them being on the policy? I have always lived alone and insured only myself. I am now living with relatives, either one of whom *might* need to drive my car in an unplanned emergency, maybe once or twice in a year. When you list drivers for insurance quotes, if all drivers have clean histories, is your premium higher than if you just listed one driver? Does this vary from state to state? If I did not have someone listed and they drove my car and were involved in an accident, do ALL insurance companies refuse to pay? It's been a long time since I've had to worry about this - years ago a policy covered whoever drove your car ;-(
If they are listed on another policy, have their own insurance don't list them as drivers on yours, occasional driver or not.
If they are listed on your policy, have an at fault accident or get a ticket while driving their own vehicle, your rates will increase on renewal when the comany runs the license numbers as part of the renewal process.
The agent should have told you that.
The reason she was asking is that she doesn't have the option NOT to list them as drivers, unless she excludes them. Then if there were an emergency situation such as she described, they would not be covered. I believe that's the outcome she's trying to avoid.

Exactly that, @WenGirl42. They will not be driving my car casually, but if I was injured, ill, hospitalized or something, someone *might* need to drive my car home. That's about it. But as was said earlier, the insurance companies now get that issue taken care of on application, proactively, by listing all the drivers of DMV record at the address, and asking "cover these people or exclude them?" so they are pretty much part of the mix by default.

So you exclude them, but they are not specifically named on the policy as excluded drivers - it means no they do not have access to your car on casual, daily basis.

This is clearly a case of state/company differences Not all states allow driver exclusions, but in states that do, companies generally require them for unlisted drivers in the household (if they've identified them). That's true where Moonchilde is. Where you are, either your state doesn't allow driver exclusions or your company doesn't require them.