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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.
Does every licensed driver in a household require that they be on the same auto insurance pollicy?
Not necessarily. But all household members must be disclosed to the insurance company, and from there they either must be included or excluded. I would recommend everyone go on the same policy, that way you take advantage of multi-car, multi driver discounts.
If your license has been revoked can you get auto insurance for a financed car by listing your boyfriend who is licensed as the driver and yourself as a non-driver?
If your licensed has been revoked, you can make him rated driver on the vehicle, (if he lives in the household) and you as a non driver. You don't want lienholder to enforce insurance on it,,or it will be very high. Yes you can. Your insurance company may want you to formally exclude yourself from coverage.
Does insurance pays claims for under age driver accident?
Ordinarily, an auto insurance policy will require that the driver be licensed as a condition of coverage. Therefore, absent extenuating circumstances, probably not.
Does your foreign wife need to be added as a driver to your auto insurance?
All members of the household need to be listed on the policy, if she is not licensed then she will need to be listed but excluded.
If your 19 year old son lives with you and does not have a license and does not drive your car do you have to put him on your car insurance?
Insurance companies may collect information on all individuals living in your home but the rates will reflect drivers only. Further, most insurance companies will require all licensed drivers in the household be listed as a driver.
Why a family member is resticted in auto insurance?
Some insurance companies will require policyholders to sign a driver exclusion for family members if you claim the individual does not drive your vehicle. If the insurance company has previously paid a claim for an unlisted driver, they may require that you list the driver on your policy or sign a driver exclusion that restricts that driver from driving your vehicle. If a resident of your household has tickets and accidents and is not rated on your policy, the company will require a driver exclusion to prevent increasing your policy if they are rated.
If the owner gave permission to a licensed driver is the licensed driver still responsible to pay for an accident?
It is my understanding that the car owner's insurance pays for the person who was hit. The driver's insurance is responsible for the car he/she was driving.
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
If you have a licence but do not drive can your insurance company make you pay in Pennsylvania?
If you are a listed driver on an insurance policy then your characteristics will be considered in the rating of the insurance policy. Under some circumstances a listed driver will have very little if any impact on the premium. In other cases a listed driver will impact the premium significantly. Many insurance companies require that all licensed drivers in a household be listed and proper premiums be paid or excluded, in writing, from coverage. If you decide to exclude a licensed operator then there would be no coverage for that person on the insurance policy. I personally know of a situation in which an excluded person was allowed to drive the car to church on Sunday. There was an accident and all coverage was denied by the insurance company.
Do you have to be a dependent to be covered on insurance?
Check with your specific insurance company but in general, no. If a licensed driver has permission to drive the car then the insuring company covers that driver. If your company has a specific policy against that, you need to know that. Many years ago, one company had a policy that identified a roommate as part of the driver's household and wouldn't cover that driver. It is the policy that will tell you, or ask your insurance guy.
Can you lose your insurance if you allow a unlicensed driver to drive your car?
Yes. Read your policy. If you allow a driver who is not licensed to drive your policy and an accident occurs the insurance company may deny coverage for the claim. You should not loan your car to other people because you are also loaning them your insurance and you may not have the authority to do this. If the person is a regular driver or lives in your household then they must be listed on your policy as a driver.
