Monday, November 30th, 2009 at
Teen auto insurance
Howie Schultz :This has reference with teen auto insurance. If you drive on a learners permit without an adult in the car and get in an accident will auto insurance pay for the damages?
Response : Howie, if a teenager is driving a car with a learners permit without an adult in the car than the insurance company will not cover you provided you are a named driver on your parents policy. Secondly most insurance policies have an exclsuion stating that the learner cannot drive the car without supervison. However, it would depend on your carrier and if you go to the court of law, than the insurance company will atleast have to pay the auto insurance liability but can deny the car insurance damges since the insurance company can state the exclusion that the driving license was not there. Here you will have to remember that when you go to the court of law, you will have to pay whatever the DMV penalty prevails in your state about breaking the law and driving the car without supervision.
If your parents have not covered you than you than the insurance company will not pay since you are not covered under the policy and your parents and you will have to pay for the liabiltiy out of your pocket.
It is most advisable to break the rules, since teen auto insurance is rated as a high risk and by doing this, your car insurance rate will always hike up. Shop around for cheap teen auto insurance quote, drive safe and do not break the rules.
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Teen auto insurance
Thursday, November 5th, 2009 at
Teen auto insurance
Andy Jekings: I am adding my daughter to my auto insurance policy, and she’ll be taking one of my cars with her to college. Does this mean that she’ll be considered the principal driver on the policy?
Teen auto insurance
Response: Andy, you are missing the correct question behind this, what you really want to know is if your daughter is a principal driver than how would the insurance companies rate the policy or what will my auto insurance premium be.
Now let me explain this properly to you. If your daughter is borrowing your car to take with her to college, she must be listed as either a principal driver or an occasional driver on your insurance policy. Secondly, it would be important if the car is in the name of your daughter than she would be a principal driver. Most insurance companies will consider someone as the principal driver on the policy if he or she:
Is the registered owner of the vehicle,
Drives the vehicle to work or school, or
Drives the vehicle more than anyone else.
Check with your insurance company to see if you should list your son as a principal driver, and if so, how your insurance coverage and premiums will be affected.
If your daughter is listed as a principal driver than the auto insurance premium would be higher. If your daughter is using the car less and you are the principal driver than the insurance premium would be much lesser.
However, teen auto insurance premium for girls is much less expensive than the boys auto insurance premium. You can compare the teen car insurance quote here and am sure you will find cheap car insurance quote. Again you should try to obtain all the possible discounts so that you can qualify for cheap car insurance quote.
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Teen auto insurance
Tuesday, October 13th, 2009 at
Teen auto insurance
Querry: Does your auto policy cover you if your laptop is stolen out of your car? How about if you leave your car running while you run into a store and it gets stolen? Or you hit a pothole and it causes the frame of your car to bend?
Response: Getting cheap car insurance for college students is possible once you know our insurances coverages throughly. If you know what are the limitations and what risk is covered you can pick and choice as per what the risk that you are facing. Recently a surrvey was conducted by an insurance company in Pennsylvania. Of drivers surveyed in Pennsylvania 61 percent believed their auto policy covers them if personal items are stolen from their car.
Let me clarify here that the personal belongings are not covered under a car insurance policy but would be covered under a homeowners or renters policy. Hence one should be careful of the coverages that one has under the homeowneres or renter policy. Your car insurance polucy would not cover the personal belogings.
Only 32 percent of respondents thought they were covered if they left their car running and their car was stolen. And, while 53 percent of drivers knew they would be covered if a pothole causes the frame of their car to bend, 33 percent thought it would be covered under comprehensive. This loss of a pothole is not covered under the comprehensive coverage but would be covered under collision. It is the collision impact which causes the damage., when in fact, it would be a collision claim.
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Teen auto insurance
Thursday, October 8th, 2009 at
Teen auto insurance
Jackson (Kentucky): I am in Ketntuck.My freind is not wearing his seat belt- is this going to affect his auto insurance. I know this might sound silly – but I would like to know if this affects car insurance?
Auto insurance and safety
Response: Jackson, your question is not silly to an insurance underwriter. Insurance is logical. If you do not wear a seat belt than you are doing away with a safety feature and are more likely to have a higher claim or injury incase of an accident and this will certainly affect your auto insurance rate. Here is a recent news of 30th September 2009 especially for Kentucky:
“Kentucky state officials say highway fatalities are up slightly this year in Kentucky, and more than half of the victims were not wearing seatbelts.
There were 586 fatalities as of Sept. 30, up five from the same time last year.
The numbers come from the Kentucky Office of Highway Safety. About 22 percent of the deaths involved alcohol and 13 percent were motorcyclists not wearing a helmet.
Boyd Sigler, director of the agency’s division of Highway Safety Programs, says the numbers show “there is still work to be done” when it comes to highway safety education.
There were a total of 826 fatalities on Kentucky roadways in 2008.”
Yes, safety matters and I would advice your friend that as per insurance the probability of his having a fatal or bad injury with a seat belt are less than without a seat belt and hence he can certainly get no tickets, less injuries and cheap teen car insurance quote.
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Teen auto insurance
Friday, October 2nd, 2009 at
Teen auto insurance
David Letterman : I have a child away at college (different state) with his car. For tuition purposes, the car was registered in the state where he’s going to school. We are currently with a large, well-known company (rhymes with farmer) and he’s on our PAP. My instinct and training tell me that we should put him on his own policy; however, you all know what that means in premium dollars for a youthful driver, clean record or not. There’s one additional important note, we are still on title for the vehicle, along with the bank. Insurable interest, yes? Anyway, I’m looking for opinion here from an underwriting and claims standpoint. Your feedback is appreciated!
Response : You should be able to keep the car on your policy. You have an insurable interest and if your kid is at fault in an accident they will go after the registered owner – you.
When I did personal lines this came up often. Garaging can & will make a difference in premium. I was in Iowa at the time, had a family send their kids to college in DC. Kept him on the policy, the premiums increased dramatically just due to the new location.
An issue could come up if your company does not write where he is going to school but (rhymes with farmer) is in most states for auto.
FYI if you take the kid off your policy they can keep good student with most companies but would lose multi car and auto/home discounts.
You can try online for a free auto insurance quote and find out the comparitive quotes.
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Teen auto insurance
