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08-20-2009, 07:18 PM
| | Junior Member | | Join Date: Sep 2008
Posts: 10
| | | Must I put child on policy in KY?
What is the name of your state (only U.S. law)? KY.
I have a daughter, 20, who lives at home. She rarely drives. We have been informed by the insurance Co. that she must be put on policy or she must surrender her liscense. The cost would double our premiums. What happens if we don't? If she drove and got in an accident, would she be covered? What penalties would we be subject to? What are our options? I don't want her to surrender her liscense but cannot pay the double price. Please help! ~rick |
08-20-2009, 07:42 PM
| | Senior Member | | Join Date: Dec 2007 Location: Thebes
Posts: 6,097
| | Quote:
Originally Posted by spiderjohn  What is the name of your state (only U.S. law)? KY.
I have a daughter, 20, who lives at home. She rarely drives. We have been informed by the insurance Co. that she must be put on policy or she must surrender her liscense. The cost would double our premiums. What happens if we don't? If she drove and got in an accident, would she be covered? What penalties would we be subject to? What are our options? I don't want her to surrender her liscense but cannot pay the double price. Please help! ~rick | Rarely means that she does drive sometimes. The insurance company is correct in making this request. Why not have her make the choice. She can drive and pay the increase to her insurance, or she can not drive and surrender her license. The other question you might ask your insurance company is about excluding her from the policy. This means that if she drives your vehicles and something happens, the insurance company will not be liable.
__________________ Dang the Persephone for eating those pomegranate seeds. It is because of her urge to snack that we must suffer through the winter that will soon be upon us.  |
08-20-2009, 08:15 PM
| | Member | | Join Date: Jul 2005 Location: nc
Posts: 753
| | | Is that the law in Kentucky ? That you must have insurance to have a driver’s license.
And does that mean that if I lived alone, and did not own a car, I can’t have a driver’s license?
Or is it only because she lives with her parents.
I would have thought that the insurance co. can cancel the insurance, not the license. |
08-20-2009, 08:17 PM
| | Member | | Join Date: Jul 2005 Location: nc
Posts: 753
| | | Why do you say it would double your premiums?
Is she driving less than three years? Or does she have a lot of tickets or had an accident?
Both of which WOULD double your premiums. |
08-20-2009, 08:42 PM
| | Junior Member | | Join Date: Sep 2008
Posts: 10
| | | well, not doubled
sorry, doubled was a slight exaggeration. How's this for a hypothetical; if my daughter changes her address, say to a neighbor's address, wouldn't she be covered in my car just like anyone else but bot required to be on policy as she does not "live" at home? |
08-20-2009, 08:48 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,833
| | | That would be known as FRAUD. That is a crime. Dumbass.
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08-20-2009, 10:13 PM
| | Senior Member | | Join Date: Feb 2006 Location: Deep East Texas
Posts: 1,253
| | | I take it your daughter does not have her own car and her own insurance policy. She could move out. Which would be more expensive: adding her to your policy or paying for an apartment for her?
I'm with ecmst12 on the fraud issue. Insurance companies don't like people who commit fraud. They go after them with a vengeance. If you think insurance is a problem now, wait until you have insurance fraud on your record.
__________________ Quote:
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08-21-2009, 01:46 PM
| | Junior Member | | Join Date: Mar 2008
Posts: 24
| | Quote:
Originally Posted by spiderjohn sorry, doubled was a slight exaggeration. How's this for a hypothetical; if my daughter changes her address, say to a neighbor's address, wouldn't she be covered in my car just like anyone else but bot required to be on policy as she does not "live" at home? | Besides the fraud factor in this "arrangement" your neighbors insurance company would probably give your neighbor the same ultimatum once they did a household seach through the DMV and found your daughter living in thier household. | |
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