Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Managing Editor & Insurance Lawyer

UPDATED: Jun 19, 2014

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Insurance Question from Coon Rapids, MN

Asked on 06/19/2014

Insur double dipping ? Son was on our policy, he now has his own policy elsewhere, our insur com making us pay his part of policy off.

Answer given on June 24, 2014

If your car insurance included your son as a driver on the policy, the rates are obviously affected due to his age and driving record. If he has now gotten his own insurance you can remove him from your policy. You may need to provide your insurance company with evidence of his separate insurance but they will then be willing to remove him from your policy.You will owe premium for the time your son was on your insurance policy. The date he is removed will then be deducted. However, if you are making monthly payments you may still owe premium for your son since the amount of his cost of the policy may not be paid up yet. Ask your insurance company for an accounting of the policy, what the original premium was, what it is now and how much you have paid. That should show you how much more you owe for the time your son was on the policy.


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