NJ DUI - affects on others

[ALPO]

My son was convicted of DUI and I have a few questions. He currently lives elsewhere (thank god), but given that he no longer can drive he is contemplating at least temporarily moving home. As I understand it most (if not all) insurance companies try to rate your policy against all in house licenced drivers - obviously this type of change could seriously affect my insurance premiums. Although I do not believe it will be an issue if my son only temporarily moves home in the interum while suspended for the needed transportation needs (even then only on days where he needs a ride), but if later after he gets his licence back if he makes the full permanent legal move home how do I keep him from affecting my premiums. I think it might be cheaper for me to subsidize an apartment for him than taking on the higher premiums. Keep in mind that I would enforce that he maintain his own insurance policy, unless he gave up his license.

 

[swalsh411]

You make him move out once he gets his license back.

 

[ElvinMelvin]

Not to put too fine a point on it, but it seems to me that leaving your son to deal with his own punishment and to figure out how he is going to get around on his own might be a valuable object lesson about the perils of driving while intoxicated.

JMHO

 

[Antigone*]

My son was convicted of DUI and I have a few questions. He currently lives elsewhere (thank god), but given that he no longer can drive he is contemplating at least temporarily moving home. As I understand it most (if not all) insurance companies try to rate your policy against all in house licenced drivers - obviously this type of change could seriously affect my insurance premiums. Although I do not believe it will be an issue if my son only temporarily moves home in the interum while suspended for the needed transportation needs (even then only on days where he needs a ride), but if later after he gets his licence back if he makes the full permanent legal move home how do I keep him from affecting my premiums. I think it might be cheaper for me to subsidize an apartment for him than taking on the higher premiums. Keep in mind that I would enforce that he maintain his own insurance policy, unless he gave up his license.

Speak to your agent about the possibility of excluding him from your policy.

 

[momofrose]

Speak to your agent about the possibility of excluding him from your policy.

Not in NJ...all of driver age MUST be included...even if not even licensed.

 

[Isis1]

Not in NJ...all of driver age MUST be included...even if not even licensed.

tad bit confused. how do you include an unlicensed driver? does the insurance company still have to cover damages if the driver was unlicensed?

i'm only asking out of pure nosiness.

 

[momofrose]

tad bit confused. how do you include an unlicensed driver? does the insurance company still have to cover damages if the driver was unlicensed?

i'm only asking out of pure nosiness.

Yeah - believe it or not, if you have a child (or other person)living inyour house thatis of legal age to drive (17) but does not have a drivers license or has one but it is suspended or not renewed (or whatever) they MUST be placed on your policy - it's ridiculous but it is what it is (probably why NJ's insurance rates are one of the highest in the Country)

 

[Isis1]

Yeah - believe it or not, if you have a child (or other person)living inyour house thatis of legal age to drive (17) but does not have a drivers license or has one but it is suspended or not renewed (or whatever) they MUST be placed on your policy - it's ridiculous but it is what it is (probably why NJ's insurance rates are one of the highest in the Country)

do they pay out should that unlicensed driver causes a wreck?

i know here, if you allow someone not on your policy AND not licensed, your insurance won't pay.

 

[momofrose]

do they pay out should that unlicensed driver causes a wreck?

i know here, if you allow someone not on your policy AND not licensed, your insurance won't pay.

I think they do pay (but a limited amount). Of course the OP could just "not tell" the i=insurance company that he is living with her, however if he does take a car registered to her address and gets a ticket or anything like that - she will be dropped immediately and will probably find it very difficult to get insurance in Nj again.

 

[Isis1]

I think they do pay (but a limited amount). Of course the OP could just "not tell" the i=insurance company that he is living with her, however if he does take a car registered to her address and gets a ticket or anything like that - she will be dropped immediately and will probably find it very difficult to get insurance in Nj again.

thank you! i'm boggled by that outlook of NJ.