Posted: 7/29/2011 9:16:57 AM EDT
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Live in Ohio.. roommate tells me the other day that she needs a copy of my driver license and insurance to send to her car insurance company or she wont be covered since I live with her. I have my own insurance. I told her i am not going to give them to her since there is no good reason for them to have it. She told me today that if I dont give it too her, then they will add me to her policy since I am a member of the household... WTF does that mean? How can they add me to her policy. I just live here. I have nothing to do with her car insurance. I would understand her homeowners policy but not car insurance.. can someone explain that too me? should I give them my info? |
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Quoted: Live in Ohio.. roommate tells me the other day that she needs a copy of my driver license and insurance to send to her car insurance company or she wont be covered since I live with her. I have my own insurance. I told her i am not going to give them to her since there is no good reason for them to have it. She told me today that if I dont give it too her, then they will add me to her policy since I am a member of the household... WTF does that mean? How can they add me to her policy. I just live here. I have nothing to do with her car insurance. I would understand her homeowners policy but not car insurance.. can someone explain that too me? should I give them my info? Have her tell the insurance company that you moved out. Problem solved. typical insurance companies. No different from kids in a household on parents insurance. |
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"Hello, insurance company... He moved out. It's a non issue now. KTHXBYE" Then there is a good chance the rest of the conversation is going to be "We need a signed drivers exclusion, then" Most companies (all the ones I deal with) want everyone in the household with a DL listed or excluded. |
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Quoted: Quoted: "Hello, insurance company... He moved out. It's a non issue now. KTHXBYE" Then there is a good chance the rest of the conversation is going to be "We need a signed drivers exclusion, then" Most companies (all the ones I deal with) want everyone in the household with a DL listed or excluded. Perfectly fine as he says if he doesn't ever drive her car anyways. Fixed, read wrong... |
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Quoted: I have lived with roommates before and this has never come up... that's why I am wondering... I told her to give me the # and I will call them. What sto stop my insurance company for asking the same thing with her? Greedy bastards Don't mention that she lives with you? |
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I have lived with roommates before and this has never come up... that's why I am wondering... I told her to give me the # and I will call them. What sto stop my insurance company for asking the same thing with her? Greedy bastards Don't mention that she lives with you? There's a little thing called a household check that some of the companies do. They run a search to see what all Drivers Licenses come up to an address. |
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Quoted: Quoted: Quoted: I have lived with roommates before and this has never come up... that's why I am wondering... I told her to give me the # and I will call them. What sto stop my insurance company for asking the same thing with her? Greedy bastards Don't mention that she lives with you? There's a little thing called a household check that some of the companies do. They run a search to see what all Drivers Licenses come up to an address. She just moved out? /shrug The ultimate question that needs to be answered (unless it already has) is what/who does insurance companies cover? Do they cover vehicles or people? Currently they cover vehicles since you need a policy for each vehicle. If they covered people, you wouldn't need separate policy per vehicle you own. |
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I have lived with roommates before and this has never come up... that's why I am wondering... I told her to give me the # and I will call them. What sto stop my insurance company for asking the same thing with her? Greedy bastards Don't mention that she lives with you? There's a little thing called a household check that some of the companies do. They run a search to see what all Drivers Licenses come up to an address. She just moved out? /shrug Then we're back to the drivers exclusion thing. 
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Are any of these suggestions considered insurance fraud? If he is not driving her vehicle, getting into wrecks wiht it, or trying to say she was driving when he was then I do not see why it would. The problem is more and more companies are going to a policy that if you are in the household and are not listed as driver, if you have an accident in the covered vehicle, they can deny the claim. |
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Quoted: Quoted: Quoted: Are any of these suggestions considered insurance fraud? If he is not driving her vehicle, getting into wrecks wiht it, or trying to say she was driving when he was then I do not see why it would. The problem is more and more companies are going to a policy that if you are in the household and are not listed as driver, if you have an accident in the covered vehicle, they can deny the claim. Of course... Now we are back to the exclusionary thing. 
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Quoted: Quoted: Quoted: Are any of these suggestions considered insurance fraud? If he is not driving her vehicle, getting into wrecks wiht it, or trying to say she was driving when he was then I do not see why it would. The problem is more and more companies are going to a policy that if you are in the household and are not listed as driver, if you have an accident in the covered vehicle, they can deny the claim. And I posted above (after you commented) on what is the CORRECT policy of insurance companies and needs to be address (if it hasn't already). Do insurance companies insure people or vehicles? Currently they insure vehicles since you need additional coverage for every vehicle you own (above 1). If they want to insure drivers, then you only need a single policy which can be transferred to any vehicle you operate. Has that been legally challenged in court? I'm paying for vehicle coverage. Who cares if I or someone else wrecks? |
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this is SOP and has been for as long as i've been buying insurance.
when i turned 18 and got off of my parents' policy, i was required to fax proof of my parents' insurance to the new company. it took all of about 5 minutes. they just want to make sure that anyone at the address who is legally allowed to drive has their own insurance policy. growing up in NJ, uninsured and underinsured motorists are very common (hence the high car insurance rates). It is common practice in certain demographics for one person in a household (typically the one who can get the best rate) to carry a minimum liability coverage policy on their shit box and let everyone in the house drive it. If the driver gets pulled over, the insurance card is proof that the vehicle is insured, but not proof that the driver him/herself is covered by that policy, so no ticket or court date. Our insurance cards list all authorized drivers on them now, in the past our cards simply had my name on them as I was the policy holder. |
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Quoted: Yeah but in the OP's case I believe that his own insurance would cover him if he drove his roommate's carQuoted: Quoted: Quoted: Are any of these suggestions considered insurance fraud? If he is not driving her vehicle, getting into wrecks wiht it, or trying to say she was driving when he was then I do not see why it would. The problem is more and more companies are going to a policy that if you are in the household and are not listed as driver, if you have an accident in the covered vehicle, they can deny the claim. Of course... Now we are back to the exclusionary thing. |
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Are any of these suggestions considered insurance fraud? If he is not driving her vehicle, getting into wrecks wiht it, or trying to say she was driving when he was then I do not see why it would. The problem is more and more companies are going to a policy that if you are in the household and are not listed as driver, if you have an accident in the covered vehicle, they can deny the claim. And I posted above (after you commented) on what is the CORRECT policy of insurance companies and needs to be address (if it hasn't already). Do insurance companies insure people or vehicles? Currently they insure vehicles since you need additional coverage for every vehicle you own (above 1). If they want to insure drivers, then you only need a single policy which can be transferred to any vehicle you operate. Has that been legally challenged in court? I'm paying for vehicle coverage. Who cares if I or someone else wrecks? even if they insure your vehicle, that insurance policy is based on a risk assessment of the drivers, location of the vehicle, make/model of the vehicle, mileage driven, and even things like credit rating and education level. if you get a policy without disclosing that you're crackhead uncle with several DUIs on his record is going to be driving your car, you are committing fraud. Just like if you have a homeowners policy and don't disclose that you have a swimming pool or dangerous breed dog. |
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Quoted: Quoted: Yeah but in the OP's case I believe that his own insurance would cover him if he drove his roommate's carQuoted: Quoted: Quoted: Are any of these suggestions considered insurance fraud? If he is not driving her vehicle, getting into wrecks wiht it, or trying to say she was driving when he was then I do not see why it would. The problem is more and more companies are going to a policy that if you are in the household and are not listed as driver, if you have an accident in the covered vehicle, they can deny the claim. Of course... Now we are back to the exclusionary thing. Living together (BF/GF, fiance, or just roomates) if your not married doesn't automatically cover the other car. Been like that for a while... It really is going to depend on insurance policy and state. |
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Quoted: Quoted: Quoted: Quoted: Quoted: Are any of these suggestions considered insurance fraud? If he is not driving her vehicle, getting into wrecks wiht it, or trying to say she was driving when he was then I do not see why it would. The problem is more and more companies are going to a policy that if you are in the household and are not listed as driver, if you have an accident in the covered vehicle, they can deny the claim. And I posted above (after you commented) on what is the CORRECT policy of insurance companies and needs to be address (if it hasn't already). Do insurance companies insure people or vehicles? Currently they insure vehicles since you need additional coverage for every vehicle you own (above 1). If they want to insure drivers, then you only need a single policy which can be transferred to any vehicle you operate. Has that been legally challenged in court? I'm paying for vehicle coverage. Who cares if I or someone else wrecks? even if they insure your vehicle, that insurance policy is based on a risk assessment of the drivers, location of the vehicle, make/model of the vehicle, mileage driven, and even things like credit rating and education level. if you get a policy without disclosing that you're crackhead uncle with several DUIs on his record is going to be driving your car, you are committing fraud. Just like if you have a homeowners policy and don't disclose that you have a swimming pool or dangerous breed dog. So then do you need to list every tom dick and harry that "might" drive your vehicle at some point? It's an absurd requirement. And if not required for those instances, they don't need to know of people that may never drive your vehicle. I could have a family member stop in for a week and drive my car for a week straight but not permanently live there vs someone else that lives with me but might never touch my vehicle. Thats why it needs to be either insure cars or insure people. Not both. |
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Are any of these suggestions considered insurance fraud? If he is not driving her vehicle, getting into wrecks wiht it, or trying to say she was driving when he was then I do not see why it would. The problem is more and more companies are going to a policy that if you are in the household and are not listed as driver, if you have an accident in the covered vehicle, they can deny the claim. And I posted above (after you commented) on what is the CORRECT policy of insurance companies and needs to be address (if it hasn't already). Do insurance companies insure people or vehicles? Currently they insure vehicles since you need additional coverage for every vehicle you own (above 1). If they want to insure drivers, then you only need a single policy which can be transferred to any vehicle you operate. Has that been legally challenged in court? I'm paying for vehicle coverage. Who cares if I or someone else wrecks? even if they insure your vehicle, that insurance policy is based on a risk assessment of the drivers, location of the vehicle, make/model of the vehicle, mileage driven, and even things like credit rating and education level. if you get a policy without disclosing that you're crackhead uncle with several DUIs on his record is going to be driving your car, you are committing fraud. Just like if you have a homeowners policy and don't disclose that you have a swimming pool or dangerous breed dog. So then do you need to list every tom dick and harry that "might" drive your vehicle at some point? It's an absurd requirement. And if not required for those instances, they don't need to know of people that may never drive your vehicle. I could have a family member stop in for a week and drive my car for a week straight but not permanently live there vs someone else that lives with me but might never touch my vehicle. Thats why it needs to be either insure cars or insure people. Not both. then expect to pay ASTRONOMICAL premiums to cover the risk of any tom dick and harry that "might" drive your vehicle... 
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