(Closed) does anyone understand car insurance?

posted 8 years ago in Legal
  • poll: would you add him tot he policy or not
    add him, pay extra : (4 votes)
    27 %
    don't add him, hope nothing bad happens : (6 votes)
    40 %
    other : (5 votes)
    33 %
  • Post # 3
    Member
    4385 posts
    Honey bee
    • Wedding: May 2011

    I’m no expert, but he should check with his insurance. With my parent’s insurance they were told that as long as the person driving the car had insurance SOMEWHERE, they’d be covered.

    Post # 4
    Member
    202 posts
    Helper bee

    To my understanding, he is covered as long as you have given him permission to use your vehicle, even if he is not on the policy.  Also, if he has his own auto insurance policy, that would cover any accidents as well.  I would not add him to the policy.  My SO and I have lived together for several years now and are not on each other’s policies.  When we go somewhere together, we normally take my car and he usually drives. He knows more about insurance than I do, so if he needed to be on my policy, he would make sure he was.  I would say don’t add him if you don’t have to.  There may be different laws in different states though (we are in Wisconsin). 

    Post # 5
    Member
    1288 posts
    Bumble bee
    • Wedding: June 2010 - Indiana Memorial Union

    As long as he has his own insurance, I think it’s fine.

    Post # 6
    Member
    2090 posts
    Buzzing bee
    • Wedding: August 2010

    I called my insurance (Geico) and asked if I had to add my fiancé, who rarely drives my car (he only drives it like 3 times over the course of the winter b/c it has 4wd, and he has a little sportscar), I just wanted to make sure he/my car would be covered in case of a crash.

    They told me that I don’t have to add him to my policy if he rarely drives my car, since he has insurance of his own (can’t remember who he has his insurance through). His insurance should cover him, mine covers my car, regardless of driver (according to Geico, I don’t know if this is true for all policies).

    Once we are married though, apparently, we have to add each other to our policies, which I personally think is stupid since he still won’t be driving my car, nor I his, but whatev.

    Post # 7
    Member
    2250 posts
    Buzzing bee
    • Wedding: March 2018

    in oregon you have to be on if you live together- even roommates or else the “occational driver” wont cover you. otherwise he is covered if he is just occational!

    Post # 8
    Member
    3871 posts
    Honey bee
    • Wedding: November 1999

    Nevermind, I thought I knew but I would just check with your insurance agent.  Give them a call.  They don’t mind questions like this.  That’s what they are here for.

     

    Post # 9
    Member
    15 posts
    Newbee

    So, MOH lurker here (searching for a post that has a pic the bride wanted and came across this) So i’m a car ins. claim adjuster and here are my 2 cents.

    Do you have to add him to your insurance? No. Should you? probably depending on your selected coverage.

    Insurance follows the vheicle, so if he’s driving, gets in a car accident and he’s at fault or not at fault you’re covered. He’s considered an insured driver, your insurance calls you confirms permissive use, and things proceed forward for the property damage (i should probably mention that if he has regualr access to the keys this is considered permissive use and will then be added to the cars insurance at the time of the claim).

    The issue is if he is hurt in a car accident while driving and that is where i would call your provider and ask what the situation would be where he would be able to make a claim against you and your insurance if he is not listed on your policy. 

    Post # 10
    Member
    536 posts
    Busy bee
    • Wedding: October 2011

    as long as the car is insured anyone can drive it…

    Post # 11
    Hostess
    18646 posts
    Honey Beekeeper
    • Wedding: June 2009

    I would check with your insurance to be safe since there are differing opinions in this thread.  It is probably different depending on where you live.

    Post # 13
    Member
    295 posts
    Helper bee
    • Wedding: June 2010

    I imagine this depends on the state and even the insurer, but where we are, I had to be added to FI’s policy when I moved in. (I didn’t have a car at all, though, so it may have been different in that scenario.) Before we lived together, I was covered as an occasional driver; once we lived together, I was not. The cost difference was very small, though (but the under-25 thing might be what’s making the difference in your case). Our state laws are pretty strict, though; it’s illegal to drive a car without liability insurance, so it’s not just a risk from a financial perspective, but from a legal perspective. That varies state to state, but I would definitely check on it.

    The topic ‘does anyone understand car insurance?’ is closed to new replies.

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