My son is 19. Can my insurance company make me, put him on my policy as a rider ( State Farm )? He had his own vehicle which is insured, but is now broken down to the point where he doesn’t drive it any more.
So if he cancels his policy, would I have to put him on mine?
I have heard 2 different things about this:
1) The vehicle is insured, and can be used by any driver…..and
2) The driver is insured, and can use any vehicle.
Thank you all
Thank you all.75% of you had great informative info….
Report about Auto Insurance information
If he is a licensed driver living in your home and does not have a policy of his own – then yes, your insurance company will require he be listed on your policy. The reason is – as a licensed driver living in your home it is likely he will use your cars on a regular basis.
Also – even if he is not driving your cars but is injured as a passenger in another’s car – your son may be able to make a claim under certain coverages of your policy (b/c he is a resident relative).
As such, State Farm incurs an additional risk. They are going to make sure they collect premium for that additional risk.
Hiya:
Any of age driver living in your household, related by blood or marrige, must be either added or excluded.
If he has his OWN insurance, then you will need to exclude him.
If he does not have his own insurance – you will need to add him OR exclude him.
There would be considerable coverage issues if he were to be in he didn’t have his own insurance and was in an accident in your vehicle if he was a resident in your household who wasn’t listed on your policy.
Considering he DOES have his own insurance as you indicated – he does not need to be on your policy and excluding him from your policy will save you some money
Good luck!
~jifr!
Technically, a “rider” is what’s on a life insurance policy.
Both your statements are inaccurate – lots of people spout them, but neither are true in all cases.
Any household member, or someone who has regular access to your car (even if they aren’t a household member), should be listed on your policy. So yes, State Farm can request that you either add him as a listed operator, OR completely exclude him from coverage (meaning, if he cracks up your car, YOU pay the claim – for your car, for the other car, and for the other people’s injuries).
Failure to list a household member can result in a denied claim.
1. on most policies, the vehicle is insured, and can be used by any driver occasionally, if they aren’t household members, and don’t have regular access to the car (less than 10X a year, less than once a month), if they aren’t excluded from coverage. There ARE policies that say, we won’t cover an unlisted driver, PERIOD.
2. The “named insured” on the policy (not listed driver, but policy owner), on MOST policies, will have their liability from their own policy carry over onto any car they drive, as long as the car they drive is NOT owned by them or a household member, and as long as it’s not a business use (like bus driver, mechanic, auto sales, pizza delivery, etc). NOT ALL POLICIES HAVE THAT WORDING.
I dont really know sorry