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

Gary Vee: If someone borrows my car are they covered under my policy?

Reponse: People are often confused as to who is covered under a standard auto insurance policy. There are typically only one or two names listed in the “Named Insured” section of an auto insurance policy, but that doesn’t mean that those are the only people who are covered under the policy. As a general rule, auto insurance coverage actually follows the vehicle, not the driver. So if your car is involved in an accident, the car typically receives the full coverage provided by the auto insurance policy, regardless of who is driving.

However, there are a few conditions that you will have to comply with:

Remember that your auto insurance policy would have to pay for the damage to the vehicle but if your friend has an auto insurance policy and he is named in the tort case or law suit for personal injury than his auto insurance policy will be the first payee. Also since a claim will be regeistered under your auto insurance policy, your auto insurance premium would be higher. Read on the blog how you can get cheap auto insurance and go for a quote. I am sure you will not be disappointed.

If you have another teenage driver under your roof who uses your car, he or she should be listed on your insurance policy even though your insurance rates may increase substantially. Technically, a teen who is not listed on your policy would still be covered if he or she had an accident. But your insurer could charge you retroactively for coverage on your teen from the date that your teen became a licensed driver.

If you have failed to declare your teen as a driver under the auto insurance policy some companies would consider it a misrepresentation and your policy would be void. It is best to inform the insurance company for any change in the status of drivers or any other changes which are material to the auto insurance policy.

Chris (Okalahoma) : Do you have to add your child to your car insurance if they drive only occasionally?

Response: The Law requires that all drivers operating a motor vehicle on public roads carry proof of financial responsibility. There is no exception for those who drive only occasionally. If you occasionally drive on public roads then you need liability insurance on those occasions. This would mean that as an adult you would be responsible for the liability caused by your child since the child is minor.

Secondly all licensed household members should be listed. Especially , young teens are more likely to be involved in an accident because of inexperience. . Even if it’s an “old car” and you can easily replace it liability for injury to another person or property is what really can be costly. Since this 17 year old is still a minor if he/she hurts someone YOU ARE RESPONSIBLE! And that can run you into the thousands of dollars and your insurance company won’t pay a dime if the dhal was not listed on your policy. Even for the slightly older child, say 18 to 20 something, whom some have argued doesn’t have much to lose. How about a court that orders his/her wages to be garnished for the next decade to pay for damages?
Last but not least, if you have failed to include all the members on the policy who are driving, the insurance company can refuse your claim on grounds of misrepresentation and even cancel your policy.