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Hey OP, first off thanks for this thread. Insurance can be a pretty weird thing, especially for a lot of younger people, so having a thread like this is incredibly useful. My girlfriend got into a car accident about a week ago, she wasn't at fault (I live in Florida), but now I'm at risk for being dropped by my car insurance since she wasn't on the policy as an excluded driver or as a driver of the vehicle we jointly own. I wasn't even aware she needed to be on the policy in any capacity, and just figured my insurance policy covered my car. If I do get dropped, I don't have anything negative on my driving record, but what can I do if I am dropped?
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Mar 12, 2013 20:36
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Jastiger posted:Technically the insurance company would be perfectly within their rights to NOT cover the claim. She is in the home, is a licensed driver, and you never indicated to them that she was otherwise insured. It's very important that the people in your home that can drive are listed on a policy SOMEWHERE. The comp and collission may still be covered by them, but the actual liability if ther ends up being any...not so much. Yeah, just got the call, my insurance is being dropped effective immediately. I'm mostly worried about what that's going to do to my rates, since they just lowered for the first time since I actually got insurance. Any tips on where I can find cheaper auto insurance? To be clear, we understood that our insurance didn't cover any damages since she wasn't insured, which is why we're going after the other company for damages.
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Mar 15, 2013 21:03
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