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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
ShirikiUtundu
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Quote:
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, 04:30 PM   #6
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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   #7
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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   #8
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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, 04:41 PM   #9
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We had the same issue, also rule breaking.... I calls insurance agent and explained what was going on she informed me that no matter who's name the ins. was in that as long as he is under 21 and living with me, I was liable..... Meaning, if he or anyone driving the car got in a wreck and hurt or killed someone that the driver could be sued along WITH me ......WHAT???

We sat son down and had him call ins agent and she explained it all to him. We then have him the choice of giving back the car or following the rules and he could keep the car.

It was a real eye opener to talk to my agent, maybe you should call and ask some questions. Kids do sneaky stupid things all the time, I am glad to see that you are not being blind to it!

Good luck.
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Old 03-29-2013, 04:44 PM   #10
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Quote:
Originally Posted by tvguy View Post
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   #11
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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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Old 03-29-2013, 04:49 PM   #12
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My child would not be driving the car at all if she could not respect my directions on who may drive it.

Have you explained to her that it could bankrupt your family if this other person had an accident while driving it? Even he could sue you.
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Old 03-29-2013, 04:50 PM   #13
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Quote:
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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...
THIS is my husbands concern. He flat out told me that all that was doing was protecting the ins. Company and not us. The car is in my name alone. I am willing to sign it over to her but she would only have liability where as with me she could afford full coverage.

I wish that I could trust her not to let him drive it but I can't.
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Old 03-29-2013, 04:53 PM   #14
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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...
That's a sore subject with me because they didn't explain that to me when I took her off, only a month or two ago. We took her car away four months ago and I removed her from our policy because things were not getting better. They told me I could add her back at any time, but didn't care to tell me that if there was a lapse she would have higher costs on her own policy. That really made me mad!
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Old 03-29-2013, 04:53 PM   #15
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Do you have an agent? Insurance laws vary by state PLUS insurance companies have different rules. So most information you get here won't exactly apply to your situation...

For such a delicate and serious situation I would consult your agent. Of course once you tell your agent you know someone else is driving it then your options may dwindle...
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