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from A Texas General AgentYes, They can do that, but only if you fail to declare him as driver or exclude him from coverage. You can still avoid having him on your policy by excluding him from your policy after the fact. Just complete a form 515A to exclude him from coverage. After filing the 515A with your insurer they are no longer allowed to place him on your policy nor charge you for it. They will also not be responsible if he subsequently has an accident in your vehicle. Since he already has his own insurance and the liability portion of an auto policy will follow the driver to a loaned vehicle, this should not be a problem, so long as he keeps up his payments on his own policy.

Many Insurers and Insurance Agents will not voluntarily disclose this information to you though. This is because Insurance agents work on commission, the larger your insurance bill, the more they make, any percentage of 2 dollars is more than the same percentage for 1 dollar .

Quite naturally having a 19 year old new driver on your policy will send your payments sky high. So they will always advise you to leave him on your policy and try to convince you it is for your own protection.

Most young male drivers will eventually suffer a loss of some type whether it be major or minor. Should they be driving on your insurance policy when this happens, Your premiums will increase accordingly for the next three to five years. again the more you pay the more they make.

If your insurer refuses to provide you with the necessary exclusion form, You should report them to your State Insurance Department as this would be considered an unethical practice and a means of gouging the public. I would also advise you to find another Insurance Company if you determine unethical practices on the part of your insurer.

I always advise my customers to place newly licensed young drivers on a separate policy of their own. This is to protect you, the Parent from unacceptable rate increases on your policy.

Yes, an insurance company will always want all the family members living in the same house on the policy, because it is their belief that eventually, there will come a time, when the son or daughter has to use the car just for one errand, and if they get into an accident, the company is going to immediately deny the claim. So, this is not only for the insurance company's protection, but yours as well since you would be stuck with the bills after they deny the claim. Any more questions, email me at Sean IL Licensed Insurance Producer

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Q: Is it legal for your auto insurance to add your 19yr old to your policy as a secondary driver knowing he owns his own car and has his own insurance?
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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.

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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.

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If you and a spouse have different health insurance but have never designated one as primary or secondary could this cause problems when you do designate primary or secondary?

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If they are not on your policy then they are not covered.

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