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Is it legal for your auto insurance to add your 19yr old to your policy as a secondary driver knowing he owns his own car and has his own insurance?
Wiki User
∙ 8y ago
Many Insurers and Insurance Agents will not voluntarily disclose this information to you though. This is because Insurance agents work on commission, the larger your insurance bill, the more they make, any percentage of 2 dollars is more than the same percentage for 1 dollar .
Quite naturally having a 19 year old new driver on your policy will send your payments sky high. So they will always advise you to leave him on your policy and try to convince you it is for your own protection.
Most young male drivers will eventually suffer a loss of some type whether it be major or minor. Should they be driving on your insurance policy when this happens, Your premiums will increase accordingly for the next three to five years. again the more you pay the more they make.
If your insurer refuses to provide you with the necessary exclusion form, You should report them to your State Insurance Department as this would be considered an unethical practice and a means of gouging the public. I would also advise you to find another Insurance Company if you determine unethical practices on the part of your insurer.
I always advise my customers to place newly licensed young drivers on a separate policy of their own. This is to protect you, the Parent from unacceptable rate increases on your policy.
Yes, an insurance company will always want all the family members living in the same house on the policy, because it is their belief that eventually, there will come a time, when the son or daughter has to use the car just for one errand, and if they get into an accident, the company is going to immediately deny the claim. So, this is not only for the insurance company's protection, but yours as well since you would be stuck with the bills after they deny the claim. Any more questions, email me at sjinsurance@gmail.com Sean IL Licensed Insurance Producer
Wiki User
∙ 8y ago
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Who pays when driver is not the car owner but has car insurance?
Usually the insurance policy of the owner of the car is primary and then if the driver of the car has a policy of their own then it is secondary.
Can insurance be cancelled because of secondary driver?
Yes,, Any driver who does not meet the insurers underwriting guidelines can result in the entire policy being cancelled.
Your adult daughter has auto insurance and is gifting you her car you have a car and insurance She lives with you Do you have to put her on your insurance policy?
As long as she has her own policy on her own, it would not affect your insurance in the sense of premium or the need to have her insured on your policy. However, most auto insurance company want to have her listed as a driver in the household since she lives with you. The policy actually follow the vehicle and not the driver. If she was to drive this vehicle and get into an accident, your policy would be the primary and her policy would be secondary.
Can you have a secondary beneficiary on your life insurance?
Yes, you can have a secondary beneficiary on your life insurance policy. If the primary beneficiary is no longer living when you pass away, the secondary beneficiary would receive the proceeds from your life insurance policy.
When a primary insurance only covers 50 percent what would secondary insurance cover?
What does the brochure or policy Evidence of Coverage for the secondary policy say?
If you and a spouse have different health insurance but have never designated one as primary or secondary could this cause problems when you do designate primary or secondary?
If you have insurance through your employer, and you are the policy holder,(the insurance is in your name) this insurance will be primary for you, and your spouses insurance policy will be secondary. The insurance policy thru your spouse's employer, (your spouse is the policy holder, or the insurance is in their name), this would be primary for your spouse, and your policy would be their secondary. Here's the phamplet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf
Can you add a driver to your car insurance?
yes ,you can add driver's name in your insurance policy.
Does insurance cover a minor driver who is not on your policy?
If they are not on your policy then they are not covered.
Which of types of beneficiaries in an insurance policy?
primary and secondary
What are types of beneficiaries of an insurance policy?
Primary and Secondary
How much does it cost to add an occasional driver to your insurance policy?
It really depends on what your insurance policy is.
How are primary and secondary insurance determined?
It is usually written in an insurance policy if the policy is primary or secondary. If both policies have language that makes them secondary if other insurance is present then they may split the amount owed. State laws may change this.
