Monday, May 24th, 2010 at
8:47 pm
Anna Paguin: I have been advised by the insurance company that they want to cancel my teen auto insurance coverage for my son since he has a bad driving record. A policy will be issued to me only if I agree to have an exclusion of having my teen auto insurance coverage excluded as an excluded name driver? What should I do?
Teen auto insurance policy cancellation
Response : Unfortunately the right and correct advice in this situation is to exclude your teen and not have teen auto insurance coverage included under your auto insurance policy or else your insurance would also be cancelled.
Let me further explain that this has very serious implications and let me site a case which is true is a case of involving a minor where the parents probably had a rude awakening is Kivlin v. Nationwide Mutual Insurance Company, 765 A.2d 536 (Sup. Ct. DE). The insurance company had asked the parents and sent a notice that their policy would be cancelled if they keep their sons who have While an auto policy was in existence, the insurer sent the policyholders notice that their policy would be cancelled or not renewed because of the driving records of their two sons.
The parents agreed and signed the documents excluding the teenaged drivers from the policy. The excluded drivers never operate an auto that will likely affect the policy of the policyholder. It’s not easy to enforce this. There are actual cases where, despite some verbal warnings by parents of youthful drivers, the excluded drivers manage to get control of the family auto and become involved in serious accidents. Other cases reveal that some signers of these documents don’t take the possible repercussions seriously enough until it’s too late.
As the above exclusionary provisions reveal, any accident involving an excluded driver precludes coverage, even for the innocent policyholder! Some of these excluded drivers may be irresponsible and could care less what happens when their parents or spouses lose their homes and other assets. Others may be more sympathetic after something happens. What policyholders need to realize, however, is that their assets are at stake, and no one else’s. When an accident actually occurred with one of the boys driving the vehicle the insurance company did not pay the claim.
It would be much advisable to take a seperate policy for the teenager and ask him to pay so that he becomes responsible and secondly if you search online even here you will find cheap teen auto insurance quotes. Why not compare and get cheap teen auto insurance quotes now? You cannot handicap the teenager from driving since communting is going to be a necessity in his life.
Thanks.
Kamlesh
Monday, March 22nd, 2010 at
8:07 pm
Jennifer Gaga : My car was towed to a auto repair shop due to an accident. The insurance company assessed the damage and totaled the vehicle. I have only liability coverage on the vehicle, will I be able to get the damage for the car.Also, I had a trailer hitch installed on the vehicle which is not part of the original vehicle makeup. I own the hitch assembly which is attached by 8 bolts. The shop adjuster refused to allow me to remove the assembly . My question is…can or are they allowed to deny me acquiring what I own from the vehicle? They want to charge me a tear down fee to remove it. It’s sitting on their lot. They said I can’t do “work” on their property. What should I do?
Comprehensive auto insurance is a requirement for Teen auto insurances
Response : Jennifer there are two issues to your problem one is whether you would get the auto damage coverage for your car presently when you do not have a comprehnsive auto insurance coverage. In cases like this it would depend upon who is at fault and if the opposite driver is at fault you would be paid by his insurance company for the auto insurance damage since it would fall in the dirveres third party property damage coverage. Please ring up your insurance company and ask them details about who has been at fault. If you are at fault 50% than you would be reimbursed 50% of your cost.
It is most advisable to have a comprehensive auto insurance coverage for teens or young drivers since they are more prone to accidents as per the statastics also. Secondly, if it is a new car it is better to pay a slightly higher premium and get your full coverage or comprhensive auto insurance coverage also. Once you compare auto insurance quotes online you will get cheap car insurance quotes quite easily.
Now about the shop repairer not allowing you to remove your own stuff, it would be best to ask the insurance company for support and clarify from them in writing that they give permission to you to remove your stuff. This is best since the insurance company might have already sold the salvage to the shop reparier and so he would not allow you to touch the property or work on his premises since he is responsbile. If you have coverage for the same under your home policy you can ask for a claim under your home policy.
Let me now if you have any further questions on teen auto insurance or cheap car insurance quotes.
Thanks.
Kamlesh
Saturday, March 20th, 2010 at
7:25 am
Greg Anatomy : 3 week ago I hit a car from the back on a private property. The police came and said that nothing goes on your record and it just goes to your insurance company. I am worried if anything happens to you or your parents the cop said a claim would be made? What does it mean?
Teen auto insurance and car inusrnace claims
Response : Greg, let me assure you that there would be no legal issues with the police department for you or your parents if your parents or you already have an insurance coverage on your vehicle. If you do not have an insurance coverage and you are living in a state where there is a requirement of a mandatory auto insurance coverage it would be an issue.
Now, assuming that your parents did have an auto insurnace coverage and they had you covered as a driver on the car insurance policy, the incident would be reported to your insurance company. Your insurance company will file this as a claim on your policy. As per the auto insurance this will the a claim of third party property damage, since you have hit a car from behind and damaged it.
The insurance company will take the following steps :
1) Ask the policy owner (your parents) for filling in a claim form, prviding the details of the accident.
2) Decide who was at fault – In most cases if two vehicles are moving than it is usually the vehicle which hits from the back which is at fault. However, the general insurance company would decide this based on each case.
3) The general insurnace company will pay for the damages to the vehicle.
4) Since this is a claim on your vehilce the auto insurance premium would be affected on the renewal and might be higher.
If you have acccident forgivness on your policy the first accident would be forgiven and the insurance will not be hiked.
To ensure that you get a cheaper car insurance policy it it best to kee a good driving record. The second measure for getting cheap car insurnace rates is to compare auto insurance quotes online.
Thanks
Kamlesh
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Thursday, February 18th, 2010 at
9:18 pm
Shawn White : My teen – a young student has moved back home. He had his own auto insurance policy but now with my job gone. I am lokking for cheap students auto insurance quotes or teen car insurances. I cannot afford the high auto insurance premium. Please help me to get cheap car insurance?
Teen auto insurance : Cheap car insurance
Response : A recent Pew Research Center study found that, in the past year, nearly 13 percent of parents with grown children have had at least one of their adult sons or daughters return home to live for financial reasons. Saddled with college loans and unexpected job loss, these young adults are forced to live at home until they can find a job and get their finances back on track.
This is a time of economic down turn and with the layoff in the jobs, bad employment situation, you are not the only one. Yes, you might be considering the auto insurance coverage.
Teen auto insurance coverage is another important consideration. Does the young adult have his or her own car that needs to be added to the parent’s policy? Or does the young student need to be added as another driver of an existing family vehicle? The good news is parents can keep any member of the family on their auto insurance policy as long as that person lives in the same house. But rates may increase and to decrease this and get cheap auto insurances and the best car insurance rates you must start looking for additional discounts.
Here are some additional discounts that you can have – multiple auto insurance discount, multiple polices discount – coverage for home and auto insurance together gives you a discount of 10=15% on both. Low mileage discounts, anti-theft discount. You can still get your good grades discount and of course compare auto insurance quotes online to get the best auto insurance quotes. I am sure you will find cheap auto insurance quotes.
Tuesday, February 2nd, 2010 at
9:28 pm
Eben Pagan : I am 17 years old. I live in Dallas and I am looking for the cheapest teenager car insurance quotes. Is it possible to get them online?
Cheapest teen car insurances – how to get them.
Response : Yes, Eben you can get the cheapest car insurance quotes- which are just right for you. You can get the cheapest car insurance quote online, once you know excatly what coverage and limits are right for you. The choices of the insurance companies online are numerous since each comapny is marketing its own products. Though this is professional, to put it into a simple language, getting cheapest car insurance quotes and the quotes just for you – is like getting a candy which suits you. Let me explain this further, the different insurance companies have different underwriting strategies depending upon their own experience alongwith that of the industry. For example, with the recent issues for the Toyota model, certain insurance companies (do not want to name them because of the privacy norms) have already modified their rating as per this risk, however certain companies have not done this. This is one reason for the difference in the quotes. This indicates that there are differences in rating in the insurance companies and also the type of vehicle each one is using is uniques.
Secondly, each driver has their own driving history, their mileage of use and thus the rating would differ as per the indivduals. Further more, your requirment for auto insurance coverage and the limits of coverage, other than the mandatory requirements would also differ.
Last but not least, the discounts which would be given by the insurance companies also differ and the discounts which you are eligible would be different than what your friend is elegible for. Hence to get the cheapest teenager car insurance quotes you must get comparitive quotes online. Try it here, and I am sure you would get the cheapest teenager car insurance quotes.
Thanks.
Happy Motoring.
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