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Do you have to add your child to your car insurance if they live at a different household but primary driver of the car?
Wiki User
∙ 11y ago
Only in a case whereby you would like them to be responsible for paying a claim if something happens to the vehicle while the child is driving. Sorry for the sarcasm. You would definitely be required to have them listed as the primary driver on the vehicle in this case where they are the primary driver of the car. Remember to always tell the insurance company the complete truth. All household members and/or drivers of the vehicles must be listed as drivers on the application. Remember that this means if they live in the household or if they drive the car. This means that in either case they must be listed on the application as driver. If your child lives elsewhere such as in college they are still considered a member of the household and therefore must be listed on the insurance application. Be careful about telling the insurance company the complete truth about drivers, vehicles, and addresses to make sure you have coverage when you need it.
Wiki User
∙ 11y ago
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Does your auto insurance company have to cover your son's accident even if he's not listed as a household driver?
No he have to listed as a second third or household driver for being cover by insurance
Who can buy car insurance?
In the United States, anyone who is able to get a driver's license can get car insurance. The driver's license holder must be have insurance in their own name, or they can be added to a primary driver's insurance.
If one is the primary driver for the car in terms of insurance but does not possess the title for the car is the insurance valid?
It is if you are listed on the policy as a driver.
Whose auto insurance is primary in California registered owner or permissive driver?
The insurance on a vehicle should be in the name of the Registered owner of the vehicle. Any permissive driver should also be added to the policy as a driver if you are a regular driver or if you live in the household. Either of these requires that you be listed on the policy not both of these. The owner of the vehicle is bound by legal contract to add any regular drivers and household members. If these people are not added to the policy, the contract has been voided and the insurance company can decide not to pay any claims involving such unlisted drivers.
Who is responsible for an accident the driver of the vehicle or the person who is under the insurance?
it may depend on the state, but when I was in the insurance business in Tennessee, the primary insurance on the car kicked in first, then if that insurance didn't cover the damamge (IE: insurance limits were too low, or there was no primary insuance) then the driver's insurance kicked in.
Do you have to add a stepchild to your car insurance?
If it is a licensed driver and in your household, then they should be added to your policy.
Who pays when driver is not the car owner but has car insurance?
Usually the insurance policy of the owner of the car is primary and then if the driver of the car has a policy of their own then it is secondary.
How often can a none primary driver drive before they are the primary driver?
Generally speaking if there is one car per person in the household then everyone is a primary driver. If there are fewer cars (2 cars 3 drivers) then one person can always be an occasional operator.
If you do not have insurance but the car is insured are you okay to drive it if you are not the primary driver?
Insurance follows the car, not the driver. As long as the car is insured and you have permission from the owner to drive it, you are covered.
Your adult daughter has auto insurance and is gifting you her car you have a car and insurance She lives with you Do you have to put her on your insurance policy?
As long as she has her own policy on her own, it would not affect your insurance in the sense of premium or the need to have her insured on your policy. However, most auto insurance company want to have her listed as a driver in the household since she lives with you. The policy actually follow the vehicle and not the driver. If she was to drive this vehicle and get into an accident, your policy would be the primary and her policy would be secondary.
Do you have to be added to your parents insurance policy if you are primary driver of one of their vehicles and you have insurance policy of your own?
yes, simple as that.
In Ontario can you be the primary driver of your mother's car if you live at a different address?
Yes you can. just make sure that your insurance company knows where you will be living. keVin Toronto
