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UPDATED: May 10, 2012
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Insurance Question from Williamstown, NY
Asked on 05/10/2012
operators My boyfriend pays rent to his parentsand lives with them and has his own auto insurance policy. His parents auto company is different from his. His parents insurance company tried telling him he needs to give them proof each year that he has his own insurance policy as long as he lives with his parents. If not they would cancel his parents insurance policy. We live in New York State are they allowed and supposed to do this? Any advice would help
Answer given on May 13, 2012
Auto insurance companies want to know of all drivers in the household. While a driver can have another insurance company, they are each entitled to know of the driver and insurance. Many companies will ask for a copy of the policy for the other driver.The insurance company usually will not cancel the policy for the drivers they insure, but will want the proof of insurance or to add the son as a driver on the parents policy. It should not be a problem for the son to provide a copy of his insurance to the other company. I’m not sure why the request of the insurance company is an issue to the son unless he is not maintaining his insurance. The parents could also exclude their son from their insurance policy, which is something the insurance company should be willing to do if that is what the parents want to do. However, he then can never drive their car, and if he does there will be no insurance coverage for any loss or accident. I don’t recommend this option.
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