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Post by biglakebass on Jul 10, 2017 8:55:57 GMT -6
In the past few weeks, I have talked to 2 people that said when my daughter turns 16 in September, I do not need to have her added to my policy, and pay another 1500 bucks a year or whatever it comes out to be.
They both said that the cars are insured, and if the driver is under 18, they can just drive them.
I have no idea how I have never heard of this if its true, but I am very sketchy about it.
What is the truth on adding a new driver to my fleet of cars, and what is required so that if she mashes into someone, I dont lose my house?
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Post by buckvelvet on Jul 10, 2017 9:05:34 GMT -6
Could be diff in MN but here in MI if your friend or relative or something lost their car for a week they could borrow yours and drive it as long as they have your permission to do so and the car itself is covered. However when its your daughter in your household she should be added to your policy preferably on the cheapest rated care you have.
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Post by Bwoods11 on Jul 10, 2017 9:10:06 GMT -6
I would not do that? Driver laws in MN are pretty specific, named insured on the policy, if not named....that is a risk.
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Post by biglakebass on Jul 10, 2017 9:32:25 GMT -6
What I found very surprising is that I heard that from 2 different people recently. The first guy mentioned it to me and I poo poo'd the whole idea.
Then I hear it again from someone else. I sure as hell wont risk anything being stupid about it, but I really want to know how its supposed to work.
They both said if they are under 18, thats where this comes into play.
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Post by terrifictom on Jul 10, 2017 9:48:01 GMT -6
My guess is your insurance company will know about it even if you don't report it. When you sign the car insurance application you give your insurance company the right to check your driving record and any licensed driver in your household.
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Post by MoBuckChaser on Jul 10, 2017 9:57:13 GMT -6
We are a no fault state, who gives two shits?
Should not matter who is driving your car.
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Post by biglakebass on Jul 10, 2017 10:02:52 GMT -6
I give 4 shits cuz I dont want to assume something and end up in a soup line. I added my son to our policy at 16 years old and paid over 100 a month just for him..... If I dont have to "Add" Kallie, and she is completely covered, well goddang thats what I want... Just goes against everything I have ever known and really want to understand it. I dont want to rely on my insurance agent, and get their skewed opinion because they want to line their pockets more.....
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Post by MoBuckChaser on Jul 10, 2017 10:06:06 GMT -6
The only reason they want you to add them to your policy is to charge you more money!
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Post by biglakebass on Jul 10, 2017 10:11:00 GMT -6
Thats exactly where I am going with this all..... If its simply a scam for them to get more cash,,,,, well fuck them.
Then the next question is, how can they get away with it? Is this some super secret nobody knows about? I am pretty baffled if this is really whats going on.
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Post by badbrad on Jul 10, 2017 10:13:05 GMT -6
The car itself may be covered but what about potential liability and medical costs?
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Post by MoBuckChaser on Jul 10, 2017 10:15:04 GMT -6
I don't care how good you are with telling the insurance companies everything they want to know. They have the best legal defense team that money can buy, you ain't fighting them if they don't want to pay......
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Post by DoubleLiver on Jul 10, 2017 17:35:45 GMT -6
OK. I am alright with a little insurance co bashing but lets not go too far.
Mark, i dont know what company you are with but i tell you what American Family does. You are expected to tell your agent once your child has their license in the mail. The agent is supposed to rate that driver on a vehicle at the next renewal of your policy. If you "forget" to notify your agent and a claim happens, you will probably be covered and then asked to explain who that person is. Then they will be rated on a vehicle.
It is busier than all hell at work but i will try to remember to call and see our policy on topper glass. Was it glass or plexiglass?
John, MN is a no fault state, true. But that means if you or your family get hurt, the first $20,000 of your injuries comes from your own policy, after that you can sue the shit out of the other guy or her parents.
I used to feel bad at rates for the young kids, then i sold insurance for another 20 years. Rates for kids are where rates for kids should be. They crash and crash alot. Then they usually have another kid or two with them in the car. Now if john gets a scar on his face he becomes better looking and more interesting. That same scar on a 17 year old girl just ruined a super model career.
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Post by DoubleLiver on Jul 10, 2017 17:36:42 GMT -6
OK. I am alright with a little insurance co bashing but lets not go too far.
Mark, i dont know what company you are with but i tell you what American Family does. You are expected to tell your agent once your child has their license in the mail. The agent is supposed to rate that driver on a vehicle at the next renewal of your policy. If you "forget" to notify your agent and a claim happens, you will probably be covered and then asked to explain who that person is. Then they will be rated on a vehicle.
It is busier than all hell at work but i will try to remember to call and see our policy on topper glass. Was it glass or plexiglass?
John, MN is a no fault state, true. But that means if you or your family get hurt, the first $20,000 of your injuries comes from your own policy, after that you can sue the shit out of the other guy or her parents.
I used to feel bad at rates for the young kids, then i sold insurance for another 20 years. Rates for kids are where rates for kids should be. They crash and crash alot. Then they usually have another kid or two with them in the car. Now if john gets a scar on his face he becomes better looking and more interesting. That same scar on a 17 year old girl just ruined a super model career.
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Post by biglakebass on Jul 10, 2017 18:58:39 GMT -6
It was tempered glass. I have AAA for auto insurance. No intent on bashing insurance, but when I pay for whats called full glass protection it would sure seem to cover glass on that entire vehicle. Silly me for assuming too much.
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Post by DoubleLiver on Jul 11, 2017 8:11:47 GMT -6
Just talked to our glass department and they told me my topper glass would be covered. I have no extra coverage on my policy for the topper.
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