Should grandaughter pay portion of insurance increase?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Nov 2, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Burton, MI

Asked on 11/02/2011

Should grandaughter pay portion of insurance increase? Grandaughter borrowed car. Backed into another students car in High School parking lot. We fixed grandpas car out of pocket, other car had no collision. Other car sued grandpas insurance for mini-tort for $500. Grandpa has had two prior at fault accidents and his insurance preminum has gone up drastically. Grampa wants grandaughter to pay him $450 every 6 months for the next two years for her portion of increase.What is the correct thing to do?

Answer given on November 03, 2011

If your granddaughter borrowed your car, and she does not live in the household with you, her accident should not affect your insurance rates. Auto insurance rates on the drivers in the household based on the driving experience and accidents or tickets. Insurance follows the car, so if there is an accident caused by a driver of your car, then your insurance will pay for the damages. If the driver involved is not listed on your policy, your insurance company may ask for information on that person’s insurance or ask that the driver be added to the policy. If she is rated on another insurance policy, then the rates on that policy will increase for the accident.If your granddaughter lives with you, then she should be added to the policy. Her accident may then affect your rates. It would be acceptable to expect your granddaughter to pay for the increased cost to the insurance.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption