ADDING NEW DRIVER TO INSURANCE MOD
ADDING NEW DRIVER TO INSURANCE DRIVERS
ADDING NEW DRIVER TO INSURANCE PROFESSIONAL

When it comes down to a court upholding your insurer's denial of your roommate's (and by extension your) claim for coverage under your policy, what they're looking at is whether there is ' material misrepresentation' on your part, about who's really driving your car and how often. (Or unless you have one of those policies that excludes all other drivers.) If your roommates have their own cars and their own car insurance I don't see any reason why you would need to add them to your policy unless your vehicle was made available for their regular use or they had implied permission to borrow it whenever they want. If you have a serious question whether you need to list someone or not then you should be talking to your insurance agent with factual information such as 'I give my roommate permission to drive my car and he uses it for local errands around once a week, do I need to add him or would he be covered by my policy without adding him?'. If it says that you have to list a driver that uses the car more than 'x' then they'll do an investigation to determine if your roommate drover more than X. For example if your policy says that you have to list any driver's you live with and you didn't then you're finished. The insurance company is going to check every possible detail of the policy and application for any possible exclusion to leave you high and dry if there is anything that excuses them from covering the claim. Let's say your roommate drives the car, gets in an accident that is totally his fault, totals your car, totals someone elses $50,000 car and there are medical bills and a lawsuit. They'll have the benefit of 20/20 hindsight in determining if they can deny you any coverage at all on the claim. But when a real problem comes up - the kind you REALLY need insurance to keep your life from getting ruined - the insurance company checks every detail to see if they can get out of it. But one thing I do know about insurance claims is that on minor claims, even those that don't seem to minor to us like a fender bender which causes many thousands in damages, the insurance companies usually payoff without too much hassle. But know they'll never be able to drive it then. If your premium increases too much and they're not willing to chip in for their portion, then look at excluding them. It's better this way because the alternative is no one ever being able to drive your car. Or else if they do get into an accident, it's amazingly easy to for a claims adjuster to figure out their address and that's insurance fraud.

ADDING NEW DRIVER TO INSURANCE DRIVERS

Your broker will ask #of drivers in house and you must declare them. More than an your brother who's visiting from out of town, for instance.Д«ecause of this, they HAVE to be listed as occasional drivers (unless they have their own cars and policies that they're being rated for). If they have regular or frequent access to your vehicle and are licensed drivers in your household. ( your roommates may have great driving records or they may have many convictions and claims.)

For insurance professionals try /r/insurancepros.

ADDING NEW DRIVER TO INSURANCE PROFESSIONAL

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ADDING NEW DRIVER TO INSURANCE MOD

We have an active mod team, you will be banned. This will result in removal of the comment and could lead to your banning from /r/Insurance. If you disagree with someone, you can express that disagreement but insults and doxing are never permitted. This should go without saying, but you need to be civil. When submitting a question to the mods, please link to the post in the message so we can easily find it and fix it. Sometimes the auto-moderator marks stuff as spam, when it isn't. If you post and are unable to see it, please contact the mods. Please include your location, state/country, as insurance differs across borders. Reviews, feedback, comments and questions relevant to insurance. We are here to share relevant topics to promote insurance knowledge among professionals. Need help with a policy? Confused about your coverages? Want help shopping for insurance? We are here to help you!Дў. To help our fellow redditors with any insurance related questions. This is a community of insurance professionals and geeks who love the field of insurance.ДЎ. This includes requesting a poster to contact you privately. Doing so will result in an immediate ban.

Adding new driver to insurance