Are there any auto insurance agents in the house??? I have a question about my insurance.?

Question

I have a 18 (will be 19 soon) yr. old daughter. She does not live with me and does not drive my vehicles. She drives her boyfriends dads car. I still have her on my policy (which is costing me a fortune) because I am scared to have her driving with no insurance at all, however I don't know if my insurance would even cover her if she had an accident driving someone else's car. So, I am not sure if me paying all this money to cover her is doing me any good or not. What do you do about your insurance if you only drive a vehichle that is not yours???? We live in Texas and she has to have liability, however is it any good to have her on my policy, when she doesn't drive my vehicles.

Answer 1

Lately parenting forums have been buzzing with parents looking for ideas how to keep their teenagers from spending a lot of time on the computer and Internet. It seemsthat teenagersthese days are hooked on the computer just as they were hooked on watching television just a decade ago.  In my travels through cyberspace, I have noticed an increasing number of websites and blogs discussing<!--various forms of Insurance and registration related to cars... Yes, these days if we have a car there are lots of things that we should consider into account especially with the insurance thing. I understand what your problem is all about and I think the below website may solve your problem. You can almost find any information related to car insurance.

http://www.best-autoinsurance.we.bs/

Car insurance is essentially insurance that covers you, your passengers, and your car in case of an accident. Most states require that car owners carry liability coverage in their car insurance policy. Liability insurance covers expenses incurred for damaging another vehicle with your own when you are at fault. This means that if you are in a vehicular-->accident and your car caused the damage, then the liability piece of your car insurance will cover the damages according to the terms of your policy.

Answer 2

She should be paying for her own insurance.  Let her worry about this.

Answer 3

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Answer 4

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Answer 5

She really should be rated on the car that she is driving or somewhere in the household where she lives.

Why should you be paying for her on your car when she does not live with you and she does not drive your car?

The boyfriend's dad needs to check with his insurance and get her added onto HIS policy since she drives HIS car!

Liability is only good for the car that she is driving... it follows the car not the person.  Something like personal injury protection or medical benefits should carry over from the policy which she is rated.

As long as she has permission the drive a car she should be ok because of 'permissive use' BUT if she drives a car on a daily basis she needs to be rated on the vehicle that she ACTUALLY drives.

EDIT:

If she was driving the boyfriend's dads car and was involved in an at fault accident in that car...  then that policy should cover the damages and it would be held against the policy for the vehicle which was involved in the accident (so it would go against the boyfriend's dad on the auto policy). But the actual accident would appear with her listed as the driver and him the policyholder.

Answer 6

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Answer 7

If she has an accident in their vehicle, their insurance company will take care of it since insurance follows the vehicle.  

I don't see why you have her on your insurance.  She needs to be on the boyfriend's dad's insurance.

The only way your insurance company would pay out, is if, Say for example.  

The car she's driving has liability coverage w/ a property damage limit of $10,000 and bodily injury limit of $25,000.  Not good coverage.  

Say, she had a bad accident where she was at fault.  The the other car was totalled and people were injured.  

Your insurance company may get a call to see if they could help cover the damages, since the other insurance companies limits were exhausted.

Answer 8

You could only carry your state's minimum required coverage (this would not be for comprehensive, etc.) on her and that should lower your cost some.  This way, she's not driving unprotected and you may lower your premiums some.

Answer 9

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