Keith Baxter : What if I forget to fill in some information on my teen auto insurance application like informing about my other room-partner who is going to drive the car since the car is under my name?

Why take teen auto insurance if the policy can be void on grounds of misrepresentation ?

Response : This is a very common thing, when one does not declare correctly all the drivers in the household or of a car, which is in reality a lying to the insurance company about the facts of the auto insurance coverage. If you do not declare the right information on the auto insurance application and if these facts are material to the insurance, which are in your case of the driver of the vehicle, the insurance company can deny total coverage on the vehicle and void or cancel your policy. Cancellation of the teen auto insurance policy is one point of grave concern and the other is the fact that you will have difficulty in getting auto insurance from other insurance companies. It would also mean waving good bye to cheap car insurance, since you would be considred high risk driver by the insurance companies.

If you read the policy conditions of your auto insurance, no matter which general auto insurance company insurers you, the wordings might be different from company to company but the all have a condition that even if the conditions of the policy or there is any material change to the risk, you need to inform the insurance company about this, this means that if there is an address change, any additional driver, any change of vehicle, any accident or speeding ticket, change of useage of the vehicle, you need to inform the insurance company of the change of the risk. Thus, incase you started sharing the vehicle with your room-partner after issuance of the policy, you need to inform the insurance company of this.

Please do not hid any facts from the insurance company, whatever the risk is there are solutions of insuring them and what is more teenautoinsquote.com brings an opportunity for you to get best car insurance rates and cheap car insurance.

Thanks.
Kamlesh

Jackie Kennedy : My son is heading off to college. He is currently on my auto policy, which is very expensive. He will be living 3 hrs away from home with NO car. I would like to drop him off my policy, to save money, but when he comes home on vacation, he will need to drive. What are the best options for this situation and how can I get cheap teen auto insurance?

Response : Jackie teen auto insurance especially for young boys is normally very expensive than the girls of the same age group. You had a good strategy of having your son as a named driver on your auto insurance policy and this most certainly gave you cheap car insurance rates since you were the principal driver of the car and so the rating would follow the principal diver with a surcharge for the named driver.

The best alternates for you to have teen auto insurance quotes when your son is at home and since he is driving is either to declare at the time of the vaccation to your insurance company and get him added as a named driver for the time being, and in any case as per the insurance norms you need to declare any drivers in your household living with you to the insurance company. The would add your son on the policy but you will have to pay higher for the teen auto insurance quotes.

The second alternative is to buy a short term policy naming your teen as the primary driver – this would enable him to build a driving history for himself and also be eligible for higher discounts at a later date since he has established a driving history. You can ask him to pay for his own insurance policy and this way you will establish responsiblity on the driver.

Last but not least compare teen auto insurance quotes online and you will certainly be able to get cheap car insurance.

Thanks.
Kamlesh

One of my insured has a teen driver in the household with some major driving issues, including three at-fault accidents during the past year and two speeding tickets. We are now excluding the teen driver from the family auto policy that covers the insured, his wife, and another child at college. To avoid having the family policy and umbrella non-renewed, the teen driver now has a stand alone policy with a captive insurer which priced the teen driver policy at $7,000/year for liability only. They were our only market to even quote.

Here’s the issue…the auto the teen drives is still titled in the insured’s name. If the teen driver is involved in a catastrophic accident: 1) Would the family policy provide defense if my insured is named in a suit since he is on the title; 2) If we titled the car in the teen’s name, would that take care of the issue?

In my opinion, since the teen driver is specifically excluded via endorsement, there would be no coverage under the auto policy in case of an accident. The umbrella would follow form and exclude coverage as well. Therefore, my client is assuming an uninsured risk, and a big one at that. My client has very deep pockets, and is leaving himself open to some major potential issues. Depending on how a claim would be handled against my insured, perhaps the homeowners would even pick it up if there were some sort of vicarious liability for allowing the teen to continue driving?

On a side note, my first and strongest recommendation was to have the teen driver turn in his drivers license to the state and sell his car. However, he attends a private school with no public transportation, so someone would have to transport him everyday. Supposedly, he is only allowed to drive the car to and from school, but what 17 year old listens to such rules? Now, I can only advise how my client can cover his own liability, if it’s possible.
jimmy

Personal Auto insurance

Response : Jimmy, you are absolutely right – let me clarify your own doubts :
1) Rule number one in personal insurance is that the insurance- coverage follows the vehicle.
2) The teenager is still not an adult and so legally the parents are responsible for him and just by shifting the title of the car in his name will not relieve the responsiblity of the parents.
3) By just putting an exclusion on the policy would not relieve the insurer also since the exclusions are always narrowly taken- while the coverages are broadly reviewed in the court of law.

The parents of the teen would face problems if the teenager would get into a serious accident. Here are my suggestions:
1) Get a personal umberella coverage for the teenager also.
2) Enroll the teenager in a driving school. It would be best to talk to him, he may be nervous or strained whilst driving and so the accidents occurr. If he is nervous it would be best for him not to drive.
3) For getting cheap auto insurance quotes you can shop online. However, if the driving record is bad it would be difficult.
Thanks.
Kamlesh.

Related Blogs

• Auto Insurance Views » Blog Archive » The Rental Car Squeeze
• Choosing the Right Auto Insurance / Daily News And Article
• Homeowner And Auto Insurance Quote – What To Know About Personal …
• Affordable Auto Insurance | 247 Insurance Guide Blog
• Find Out More Information About New York Auto Insurance Agencies …

Eric : Why do you have to pay more for your teen to drive?

Teen age drivers and car insurance
Response : The terms of your auto insurance contract or policy between you and your insurer specifically require that you disclose and schedule all household drivers and all regular drivers of your vehicle on your policy. You are also required to notify your Insurer of any change in household drivers during the poliy term such as when a teen begins to drive. This allows the insurance company to properly asses the risk and assign the appropriate premium required to cover those risk.

The policy states that all the those others are covered as an added protection for the policy holder. It is not unusual for circumstances to arise when you may give permission for a non scheduled driver to operate your vehicle whether they are visiting non resident family members and other friends.

Teenagers are young drivers who are just learning to drive. They are considered immature and are known for speeding. In US the number of teenaged drivers, as per the 2003 bulletin are 4.8% of the total drivers. Yet they account for 22.1% of drivers in all accidents. The analysis indicates that teenage drivers are more likely to be at fault and the causes of this are speeding or traffic violations.Thus the insurers have categorized them as a high risk and you are charged more for the teen or young drivers.

So the language is not designed to allow the concealment of high risk teen drivers. Such concealment or non-disclosre of a known driver is considered a well known form of Insurance Fraud and can Void all policy coverages.
However, the internet has made it easy to obtain cheap teen auto insurance quote online.

Related Blogs

• UNRESTRICTED Concealed Carry Holster Best Gun Concealment.
• Auto Insurance Views » Blog Archive » NKSJ's Sato Says Japanese …
• DIY for Non-Crafters | Weddingbee
• Household spending inequality less than income inequality
• thejetsblog.com » Link: Click At Your Own Risk
• The Murphy Report has shed light on the concealment of child abuse …
• Free Auto Insurance Quotes: How to Get the Cheapest Quotes / Daily …
• Foreign Policy Expert Sarah Palin Offers President Obama Advice On …
• Consumer Reports Auto Issue: Top Cars for 2010
• Get Financial News » Blog Archive » Insurer Investments for Car …