My wife is a named driver on my car. She has recently made a claim. I am thinking about reinsuring my car for my sole use. Do i have to declare the
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UPDATED: Oct 15, 2011
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Insurance Question from Alpena, MI
Asked on 10/15/2011
My wife is a named driver on my car. She has recently made a claim. I am thinking about reinsuring my car for my sole use. Do i have to declare the Hi there. My wife is a named driver on my car. She has recently made a claim. I am thinking about reinsuring my car for my sole use. Do i have to declare the claims made my wife on my previous policy. Thank you in advance.
Answer given on October 15, 2011
Auto insurance companies want to know about all claims and drivers in the household. If you go to a different insurance company you are expected to provide them with your claim history. They do have access to claims records, so if you fail to provide the information, they could refuse to insure you for intentionally not declaring the loss.If you and your wife are in the same household, you also need to declare her as a driver. If you choose not to have her listed, then you will have to specifically exclude her from your policy. By doing that you would have no insurance on the car when and if she were to drive the car. It is not recommended to exclude a driver in the household, since there could be a time, such as an emergency when they need to drive the car.If your wife has insurance on a separate car, then the rates should not be affected on both cars for the loss. Insurance companies can only charge one time for a ticket or loss.
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