 Car insurance for a 16 year old in miami? |
| how much do you have to pay monthly??year??... |
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 Health Insurance for the self-employed? |
| After 13 years with my husband, he is leaving me. I have always been on his health plan because I am self-employed. Can anyone offer me any advice on where to find providers? I have no idea where to ... |
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 Can I remain on my mother's insurance? |
| My mother divorced my father when I was 3 and remarried when I was 5. My step dad adopted me, so my biological dad lost all rights and guardianship to me. He subsequently moved to New York. When I ... |
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 Homeowners insurance?? |
| Does anyone know about how much insurance, per month, would be on a $79,500, single home, in McAlester OK? If you need more info just ask. I dont know much about this stuff, soon to be first time ... |
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 How can I get home insurance for a vacant house ? |
My Father died recently and the Company has cancelled his coverage. Although I live there (part-time) I am told the house is no longer "owner occupied"
Additional Details
TMy D... |
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 How can I get my Social Security check switched over to my name from my mom's? |
| I need to get my check switched into my name so I can have the money to move out of state. How can I switch everything over to my name and switch it over to a different state? Can I do this online? A... |
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 Can insurance coverage be cancelled retroactively? |
| My coverage ended 5 months after I reduced my hours and my employer refused to let me elect COBRA after coverage ended.... |
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 How come no dental coverage from medicare? |
| Like teeth do not count as part of your health ... |
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 How much do you pay monthly for your benefits plan through your workplace? |
| I am just deciding whether to sign up for mine. But I don't totally understand the details. I would really appreciate if you could tell me who you work for, and what your plan is like (briefly)... |
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 Can my father take life insurance out on me (adult)? |
| I am in my twenties and not living at home. However, I am currently driving my dad's car and he is paying the insurance. My mom recently told me that she found out once he had secretly purchased ... |
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 How much liability should one get on auto insurance ? |
| How does one determine the appropriate liability insurance to get on an automobile?... |
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 Will renters insurance (for a house) generally cover damages from a backed up sewer drain? |
| Apparantly tree roots grew into the pipes and caused it to back up and spill into the basement. We have over 50 boxes with water and "more" type damage. Farmers insurance won't tell ... |
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 What insurance do i need? i need help with life!? |
| ok, i just turned 18, and i want to move out of my house with my boyfriend, into an apartment we found. ( dont tell me how much of a bad idea that is, ive already heard it) so anyway, what insurance ... |
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 When should i be concerned about life insurance? |
| my hubby and i are 20 and college students. whats the appropriate age to start a life insurance policy?... |
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 Do hospitals charge more or less for non-insured? |
| I am needing a medical test and procedure but don't have insurance. The hospital finance department had me fill out a form and provide pay stubbs to see if I qualified for assistance. They ... |
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 COBRA Health Insurance for one week? |
| I'm quitting my job on October 24th (with a large employer) and am starting a job on the 27th. I won't have insurance with the new job until November 1. This means my insurance will end at ... |
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 Does anyone know anything about renters insusrance? |
| I was wondering if it was worth getting, since I travel now and then. Is it expensive? I want it in case of theft.... |
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Mike W | If my ins co got wind that i have a younger brother in the house, and I went with another company? |
Ok... Stupid me, trying to be nice and help my younger brother out... I did a "what if" quote with my insurance company and since he lives in the same house, they automatically put him on my policy, and i'm gonna be raped as far as rates. I told them to remove him or I'll drop them. They refused, so Im shopping around.
If I leave this dump of a company, and go with another company, is there any way for this new company to find out from my old company that I have a brother in the house? Is there any way for this new company to find out (aside from me telling them- WHICH AINT GONNA HAPPEN)?
This time Im keeping my mouth shut... I learned the hard way. |
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daniellet_212
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Ok, some of these answers on here are right. There is a way for an insurance company to see drivers in a household, but it's not always correct. You do have the option to exclude him from your policy so that there would be no coverage should he drive your car. If he were to get his own insurance, some companies just want to see that he has it and then won't charge for him. But it might be cheaper to have him on with you if there are multiple cars in the household. If there is an old car that only needs liability coverage, his rate won't be so bad. He can be rated on the cheapest car. It is the insurance company's job to know all of the licensed drivers in the household. There are so many people out there who don't list the young drivers because of the rates, but then when there is an accident, they want it to be paid. This type of fraud is just one of the many reasons rates are so high. You can choose to not disclose him, but should he have an accident, they can still pay out on it, but then they will definitely rate him after that. Remember the registered owner of the car is responsible, so if anything should happen, it can come back on you and your assets are at risk. |
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Faye H
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I assume you are talking about your auto insurance.
Insurance companies ask because they want to know if there are 16 year olds driving the car. 16 year olds are statistically more likely to have an accident then 30 year olds.
You can not tell them. However, I would strongly suggest that you never let your little brother drive your car if you tell them there are no drivers under 25 in the household. If he drives your car and gets in an accident with it, they will go back and look at your application where you told them there were no young drivers and they will deny your claim.
You will likely find the same thing at the rest of the "dumps" of insurance companies. I have never known one yet that doesn't ask about young drivers in the household.
The only way to get around it is to specifically exclude him from the insurance. As I said, if you don't tell them and he drives the car and has an accident, that is grounds for denying the claim. |
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mbrcatz
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Yes. What they do, is run a couple reports on you. When they run your MVR report, it asks for tickets and accidents on you - and on EVERYONE that the mvr shows as living at your household, or HAVING lived at your household, for the past three years.
So all licensed drivers at your address WILL show up, along with any of their tickets or accidents.
On the slim chance that a new company doesn't run that report (and I don't know of ANY that don't), *if* your brother would be in an accident driving your car, they don't have to pay out. They don't pay for your car, they don't pay for any injuries your brother does to anyone else. YOU pay for all that. If you have a loan on your car, well, you could be paying for 5 years on a car that got totalled.
So it's not a smart idea.
You CAN, however, sometimes find a company who will EXCLUDE your brother from the policy - like Leader Infinity Insurance or Progressive. That means, you both acknowledge up front, there is no coverage, whatsoever, if he drives your car, for any reason. And you don't have to pay for him. |
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Gambit
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Yes your new company can find out. Yes you will be cancelled for non-disclosure if you do not inform your new insurer, and then you'll see what sky-high rates really look like. So unless you really want to see what learning the hard way really looks like, I suggest you be up front and honest with the broker/agent who you deal with or will be dealing with. Talk with them, be honest and see what the two of you can work out. Lie and be dishonest and they will do nothing for you. |
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mac227@sbcglobal.net
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what you need to do when talking to these people is tell them that if they give you a good price in comparison to other places you've talked to that you have several friends looking to leave this company as well, and bottom line is that means a better profit margin for them in sales, but if they do find out just tell them that he's only @ you house for vacation. most companies will jump @ taking another companies patrons. |
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Mustng0021
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i dont know how they can just add someone with out your approval. |
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Chris
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No, there's no way that they will know your brother was listed as a driver on your other policy. |
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Brad
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Hi, interesting posts..I had a roommate years ago and had to disclose that to my insurance company - turns out my roommate did not have a pristine driving record and it cost me because according to the insurance company, my roomie had 'access to my keys'. I argued that if someone is going to use your car without your permission, whether or not they are licensed to drive is not the issue, that I wanted to sign an excluded driver waiver. I got dinged with a $4,000 insurance bill, had to fight it tooth and nail and won in the end. what a joke! |
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