Can they make it to where I can’t drive my fathers vehicles?
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UPDATED: Nov 24, 2013
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Insurance Question from Oklahoma City, OK
Asked on 11/24/2013
Can they make it to where I can’t drive my fathers vehicles? I got in an accident and totaled the car. the cars covered under my fathers insurance. He told me that if he files a claim or gets the car replaced they'll make him sign a piece of paper saying I'm not aloud to drive any of his vehicles again. Is that true can they do that? He's covered by state farm of Oklahoma. PLEASE HELP!
Answer given on November 25, 2013
Insurance companies can, and do, exclude drivers under a policy due to their driving record and age. Usually they will not do this for one accident, unless there are other circumstances. If you do not live at home, then they could decide you don’t need to drive the car. Also, if you have your own insurance they may choose to exclude you from the policy. Since you were involved in the accident that totaled the car, it may be that the accident was major enough for the insurance company to make this decision. If you have other accidents or tickets that would also be a factor.If he does not file a claim then the insurance company really shouldn’t exclude you if he gets another car. If they are making that decision, he may as well file the claim since it sounds like they intend to exclude you no matter what. You could then get an inexpensive car and buy your own insurance for that car so that you will have transportation of your own and not put your father at risk since any accident in his vehicle goes against his liability.
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