Can I get my own coverage to drive mom’s car. I was excluded from her policy last year due to a suspension.which has since then been resolved.
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UPDATED: Nov 12, 2010
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Insurance Question from Barona Rancheria, CA
Asked on 11/12/2010
Can I get my own coverage to drive mom’s car. I was excluded from her policy last year due to a suspension.which has since then been resolved. license was suspended for unpaid traffic tickets. went to court and the judge dismissed original tickets ordered me to pay for driving on suspended license 1,100. before getting my license back (no sr-22). I now have my license, (and 2 driving points), but no coverage on the only car I have access to at this time. what options do I have? any advice would be greatly appreciated.
Answer given on November 14, 2010
It sounds like you were excluded for the suspended license. Since you now have your license back, you should talk to your insurance agent (or your mom’s agent) to see if you can have the exclusion removed.
If you have two points you don’t qualify for a good driver discount, but the insurance company may be willing to add you to your mom’s policy, with the appropriate charge for the tickets. Since no SR22 filing is required they will most likely approve you being added.
If the insurance company declines to add you to the policy you can see if the insurance agent has another company that will write your mom’s insurance and include you as a driver for a similar cost, presuming your mom oks trying that. If that doesn’t work then the only other option would be to buy your own car and insure it on your own.
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