Car Insurance Question

What has to be insured... the car or the driver?

If the car is insured to Person A, but Person B is uninsured and driving it, is that okay?

What happens if Person B gets into an accident with the car?

Ok....the car is insured and whoever is driving the car is insured due to being in the insured vehicle.

So if person B is uninsured and driving the vehicle and has an accident, there is coverage but it can affect person's A record.

Any more questions?

---

Posted by DCSAAB06

Any more questions?

---

Yes, can you tell my fiance that I'm right, as per usual!!

Thanks for the answer!

---

Posted by MonkeyLuv

---

Posted by DCSAAB06

Any more questions?

---

Yes, can you tell my fiance that I'm right, as per usual!!

Thanks for the answer!

---

Sure! ....and I know the feeling!!!!!
Being RIGHT!!! (especially since I work in insurance)

Your welcome, anytime!

---

Posted by MonkeyLuv

---

Posted by DCSAAB06

Any more questions?

---

Yes, can you tell my fiance that I'm right, as per usual!!

Thanks for the answer!

---

Tell you FH...that's why they call it 'CAR Insurance' NOT 'DRIVER Insurance'


Anyone else besides me LOVING the discount for married drivers?!?!?! FH & I are saving primo bucks because my car insurance was . I'm on his policy and our agent figured we're saving $4,700 a year!!! whoo hoo!

I always thought it was the other way too. My parents said they added me to their insurence whe I lived there.

Does anyone know why that would be?

DH hadn't told his insurence company yet that he is married. We didn't think it would make much difference over the age of 25. Does it sitll help?

---

Posted by tourist

I always thought it was the other way too. My parents said they added me to their insurence whe I lived there.

Does anyone know why that would be?

DH hadn't told his insurence company yet that he is married. We didn't think it would make much difference over the age of 25. Does it sitll help?

---

Your rates should not change if you are in good standing w/in your insurance company and add a driver.
The only time the rates will help is yes, when you are under the age of 25 and if you are married, it changes the rate group you are in,which can reduce rates.
If the signiicant other driving record is not good...Unfortunately, they can make changes to your policy,increase of rates. Not only do you marry your significant other..You marry their driving record.

If you are married and even though there is no mention of you driving his vehicle, if you had an accident, you(THE DRIVER) are covered. Again, going back to the car is insured and whoever is driving it.
He should mention it though so its not considered disclosure to the company.

my 25th bday is coming up... I cant wait for my insurance to go down!!

it was the best bday present when it went down when i turned 21!!

Thanks Deb! So is there an advantage to adding someone, if you don't have to?

( a child, a spouse, or non-married sig. other)

Then why can you decline insurance when you rent a car because you are covered by your own car insurance???

---

Posted by cjb88

only if they live at the same residence...

---

If they live in the same residence... they are SUPPOSED to be on the same policy regardless of an accident.

GEICO made my mom put my sister on their policy just because she has a drivers licence. My sister will NEVER drive their car. never never never.

But my mom is paying for it.

---

Posted by DjPiLL

---

Posted by cjb88

only if they live at the same residence...

---

If they live in the same residence... they are SUPPOSED to be on the same policy regardless of an accident.

GEICO made my mom put my sister on their policy just because she has a drivers licence. My sister will NEVER drive their car. never never never.

But my mom is paying for it.

---

Yeah, that's how I thought it was. Is that Geico's own rules? That's what my parents have.

We're both saving significantly on our car insurance and are well over the age of 25! I had a bad car accident on my policy. I still have to pay a surcharge, but a savings of $4,700 a year is significant to me!

ETA: BOTH OF US!

---

Posted by wc0143

Then why can you decline insurance when you rent a car because you are covered by your own car insurance???

---

Read this...

If you have enough existing collision and comprehensive coverage, you probably don't need to purchase that CDW to protect your rental car from damage. And, if your own auto policy contains sufficient liability coverage to protect other cars and passengers on the road, you may not need the rental company's personal liability insurance, either. However, if you decide to rely on your personal auto policy, make sure your coverage levels are set high enough to cover the type and make of vehicle you are renting. If you are involved in an accident and your rental car is damaged or you are injured, you will only be covered to the limits of the policy on your own car. This may not be sufficient protection for that sports car you have your eye on!

If you don't have auto insurance at all—or if your own car's value is significantly less than that of your rental car—it may be a good idea to consider purchasing a CDW and personal liability protection from the rental car company. Although this waiver is not real insurance, it does keep you from being held personally responsible if your rental car is stolen, vandalized or involved in an accident. In addition, some form of personal liability coverage is definitely recommended, as damage to other cars and injury to other passengers won't be covered without it. The CDW will cost you around $8-$19 per day and liability coverage about $7-$14 per day—a small price to pay for what could turn out to be a financial lifesaver.

---

Posted by DjPiLL

---

Posted by cjb88

only if they live at the same residence...

---

If they live in the same residence... they are SUPPOSED to be on the same policy regardless of an accident.

GEICO made my mom put my sister on their policy just because she has a drivers licence. My sister will NEVER drive their car. never never never.

But my mom is paying for it.

---

That can't be right. When I lived at home I had a separate policy from my parents. Were we supposed to report each other on our policies? But then doesn't that just reduce insurance policies to 1 per household/address?

---

Posted by MonkeyLuv

---

Posted by DjPiLL

---

Posted by cjb88

only if they live at the same residence...

---

If they live in the same residence... they are SUPPOSED to be on the same policy regardless of an accident.

GEICO made my mom put my sister on their policy just because she has a drivers licence. My sister will NEVER drive their car. never never never.

But my mom is paying for it.

---

That can't be right. When I lived at home I had a separate policy from my parents. Were we supposed to report each other on our policies? But then doesn't that just reduce insurance policies to 1 per household/address?

---

Well, maybe a child can have her own policy, but if she has no policy she needs to be on her parents?

That would make sense.

Now that I think about it though, when signing up for a policy they ask for the names of any licensed driver in the household. That always bothered me.