View Full Version : not insuring teen drivers
So I am getting weird answers from my insurance agent (also my BIL) about taking my teens off my auto insurance. I am not sure he understands my situation so I sent another email to him. My oldest is totally independant and does not get supported by me financially and is not in school and she doesn't attend school. I can't see how I am responsible for her auto insurance at all, she hasn't even borrowed my car more than once in 6 months.
My middle kid has a license but I am not letting her drive until some time has passed from her last ticket. She understands and we have public transportation here anyway. She has a college class and it is crazy to drive an park anyway but the lightrail goes from campus to my work and close to her dads house.
We are in Colorado and I have heard that all drivers in a household need to be insured but I also have known of policies that specifically exclude certain drivers. I am willing to do that and my daughters really will not drive until they can pay for insurance, but there has to be some way to not pay for kids I don't allow to drive.
... all drivers in a household need to be insured ...
from what I know, that's the key. if they drive your car, they need to be on your policy. if not, the don't.
I would shop around. Years ago I was able to get a policy (with Allstate) that allowed me to specifically exclude a licensed driver who lived in the household.
thank you, that will be awkward since my agent is my BIL but I am serious about not letting her drive for 6 months or until she can pay for insurance.
janharker
1-31-11, 10:07pm
Your agent is a business associate, regardless of him being married to your sister. This is a business deal. If you can't do business with him, move on. He'll still be your BIL.
Okay he is saying that he is looking into dropping erica and then she would never be allowed to drive my cars, OKAY, she doesn't drive my cars anyway. She doesn't live with me, is it any different than my cousin or my parents visiting and running to the store in my car once in a blue moon, sigh.
As for the middle kid apparently there is accident forgiveness so the rate will not go up. That is a little better. I am just frustrated with not being able to get the clear answers. I KNOW I ask questions that other people do not, I have spent a lifetime being me after all. But I still want information that others may not ask for, I might shop around for someone who can deal with me like I am asking. I surely cannot be the only one who wants to have all the information to make their own decisions, especially in this economy
If Erica has her own policy it seems she would be able to drive your car as you describe (occasional trip to grocery store).
When my daughter was at home and we had her car and our car on the same policy (hers no collision, ours new with collision so a much higher cost), we signed a waiver so we weren't charged for possibility of her driving our vehicle. The premium went down considerably.
Okay I just found out that my sister and BILs dog has been in surgery and then died in the last day or two so I will not feel blown off by BIL not having all the answers. He usually is really good about this stuff considering he just does 1 day a week at his insurance job and the rest at his regular job.
Erica is just starting out and is proud to pay rent and food, I am not sure she could afford any sort of policy at this point. But she is a trooper about using public transportation and getting rides so I don't expect any issues with her about not having her covered. I will look into separating the vehicles on the policy. The older car may be used by me on occassion like getting my car repaired or if it breaks down but I can easily not let the kids ever use the newer vehicle since Tam does not have a regular job besides babysitting.
Okay he is saying that he is looking into dropping erica and then she would never be allowed to drive my cars, OKAY, she doesn't drive my cars anyway. She doesn't live with me, ...
that sounds funny to me. as soon as my kids moved out they were off our policies. and if they borrowed our car once in a while, it was no problem. I don't understand why he is pushing to insure one of your kids on your policy, when she is out of the house and on her own.
yeah, he finally understood and said taking Erica off was no problem. I think the extended family did not realize she is living on her own since that is unusual. Now tamarin may be another thing since she lives here but we are still researching.
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