just wondering. my mother has a explorer as well as my father has a lumina. they already have full coverage. my subject is do they have to supplement my a word or given i have my drivers lisence i can begin driving. my mother pronounced which im already insured since it already has full coverage is which loyal or does she have to supplement me or what???
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Comments: 6 comments
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sensible_man
July 18th, 2009 at 10:05 am
I have seen many people on here say that you are automatically covered when your parents have full coverage, including insurance agents. This is not true of all companies. Call your insurance carrier and ask. It is a lot easier than finding out after an accident that you are not covered.
Kristi
July 18th, 2009 at 10:05 am
No, they have to add you to their policy. If they dont and let you drive their car regularly then it is considered insurance fraud
LB
July 18th, 2009 at 10:05 am
all drivers in the household have to be separately insured. She needs to call the ins company and tell them you’ll be driving the cars.
Chin.
July 18th, 2009 at 10:05 am
That’s right
bgee2001ca
July 18th, 2009 at 10:05 am
Take a look at the policy, most policy’s will state, no drivers under a certain age, if theirs does, they will have to add you, and pay a premium for you.
btomaselli
July 18th, 2009 at 10:05 am
Auto insurance means that a policy is written on a car – not the person. You can be added as a driver to the cars, but you would be covered as a family member either way. Check with your local agent since a few states (TX, NY, etc) have different rules, but even then you would still be covered unless you took it without permission AND they reported it stolen AND pressed charges.
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