Insur double dipping ?
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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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