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Old 03-29-2013, 04:13 PM   #1
wdwmom0f3
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Insurance Question

Can someone help with this? Lets say that you have a child who has car insurance with you but you know that she is letting someone drive the car who you do not trust at all and you do not want to be liable for anything that that person does.

Here are the options, you get your child insurance on their own and title the car in her name which will double the cost.

Or

I was told that you could keep everything as is and add his name as an NAMED uninsured driver meaning that anything he does in that car you will not be liable for. Have you heard of this?

Leaving things as they are and naming him as a named uninsured driver with his name on our policy as some one who does not have permission to drive the car would be cheaper BUT, I'm not sure this would hold up legally.

I am making phone calls, one to an attorney soon, but I just wanted to see if anyone here has any advice or experience with this?
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Old 03-29-2013, 04:17 PM   #2
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Originally Posted by wdwmom0f3 View Post
Can someone help with this? Lets say that you have a child who has car insurance with you but you know that she is letting someone drive the car who you do not trust at all and you do not want to be liable for anything that that person does.

Here are the options, you get your child insurance on their own and title the car in her name which will double the cost.

Or

I was told that you could keep everything as is and add his name as an NAMED uninsured driver meaning that anything he does in that car you will not be liable for. Have you heard of this?

Leaving things as they are and naming him as a named uninsured driver with his name on our policy as some one who does not have permission to drive the car would be cheaper BUT, I'm not sure this would hold up legally.

I am making phone calls, one to an attorney soon, but I just wanted to see if anyone here has any advice or experience with this?
Why would you enable something you don't approve of? Let daughter (not you for her) sign up for her own insurance then remove her from yours. Who cares if it's double the cost? It's no longer your problem to deal with.
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Old 03-29-2013, 04:21 PM   #3
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Why would you enable something you don't approve of? Let daughter (not you for her) sign up for her own insurance then remove her from yours. Who cares if it's double the cost? It's no longer your problem to deal with.
This is what we were going to do but there is way more to this that I am not going to go in to here, and it may come to that but before I do that I want to weigh out all of the options. This car is parked and has been for months so I'm in no hurry.
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Old 03-29-2013, 04:24 PM   #4
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Is there an option (3)... take the car away from the kid since they aren't listening to you and make them get their own car and insurance?
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Old 03-29-2013, 04:29 PM   #5
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Is there an option (3)... take the car away from the kid since they aren't listening to you and make them get their own car and insurance?
As you can see from the above post, we did that months ago. I am now to the point where I want to sign it over to her and be done with all of this and let her be on here own but she is young with very little money and big issues ahead. I am trying to help my child.

If anyone here can offer advice on insurance and not on parenting I would love to hear from you.

Thanks!
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Old 03-29-2013, 05:01 PM   #6
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Originally Posted by wdwmom0f3 View Post
As you can see from the above post, we did that months ago. I am now to the point where I want to sign it over to her and be done with all of this and let her be on here own but she is young with very little money and big issues ahead. I am trying to help my child.

If anyone here can offer advice on insurance and not on parenting I would love to hear from you.

Thanks!
Ultimately you MIGHT BE liable in the event of a catastrophic incident if you are providing her access to the insurance or she lives with you, since she is under 21. Laws are very weird with this.

Now whether you are sued (insurance company and/or civil lawsuit) in the event of an incident remains to be seen. It really depends on your insurance company to settle the claim in a satisfactory matter to the victims.

So if you want to do this for your dd then I recommend VERY VERY VERY high limits and in addition a large umbrella policy to go with it. That will put your mind at ease.

Not sure if I would do an "exclusionary driver" thing on it either because you could be making yourself at fault from the get go if something happens.
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Old 03-29-2013, 08:00 PM   #7
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As you can see from the above post, we did that months ago. I am now to the point where I want to sign it over to her and be done with all of this and let her be on here own but she is young with very little money and big issues ahead. I am trying to help my child.

If anyone here can offer advice on insurance and not on parenting I would love to hear from you.

Thanks!
Where does your daughter live?
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Old 03-29-2013, 05:05 PM   #8
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Is there an option (3)... take the car away from the kid since they aren't listening to you and make them get their own car and insurance?
exactly... my kid would for sure lose their driving privileges... of course mine were 18 before they even had their learners permit for the simple reason it is a privilege not a right and I could not afford that privilege.
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Old 03-29-2013, 05:09 PM   #9
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exactly... my kid would for sure lose their driving privileges... of course mine were 18 before they even had their learners permit for the simple reason it is a privilege not a right and I could not afford that privilege.
She has lost them. She does not have the car and has not for four months now. I'm trying to work on a solution here.
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Old 03-29-2013, 04:30 PM   #10
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May vary from state to state. However, you are insuring the car, not your child. If you are giving your child permission to drive the car, they may in turn give permission others.

While a talk with your child about not letting this person may be in order, you're going to be liable in most states if it is your car, and if your child is under 18.
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Old 03-29-2013, 04:35 PM   #11
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That was my advice on insurance because you are liable. If they are letting someone you don't trust drive the car then hopefully you have HIGH limits and maybe even an umbrella policy.

But anyways I think the person has to live with you to be listed on the policy and if you exclude them then all t hat does is make you directly liable rather than going through your insurance (ie if they cause 20k in damage your insurance doesn't pay out any and you are liable for all of it)
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Old 03-29-2013, 04:37 PM   #12
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This named uninsured driver sounds like an excluded driver. Your insurance would NOT be liable but I am pretty sure you could be...
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Old 03-29-2013, 08:05 PM   #13
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This named uninsured driver sounds like an excluded driver. Your insurance would NOT be liable but I am pretty sure you could be...
My thought exactly! However, I have seen claims where the exclusion was found unenforceable. So much litigation and your policy still owed.
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Old 03-29-2013, 04:44 PM   #14
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May vary from state to state. However, you are insuring the car, not your child. If you are giving your child permission to drive the car, they may in turn give permission others.

While a talk with your child about not letting this person may be in order, you're going to be liable in most states if it is your car, and if your child is under 18.
She s 20. The guy has his own insurance or so I am told. She also promised that he would never drive it but I don't trust that, at all. I need to cover myself and signing the car over to her is the only way I know how. She can't afford the high policy though because there was a break in coverage because I removed her when we took the car away. To keep the policy amount down she would have to be insured with us again for one year, then transfer it to her name.

She could afford liability only but that's taking a big risk.
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Old 03-29-2013, 04:46 PM   #15
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So it's a coverage lapse issue. Did you talk with your agent about why there was a lapse (her not having a car at that time)? Sometimes there is an exception for that reason...
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