Boat Drivers Insurance

[mailreg]

The only drivers that the "Insurance Company" want on the policy are those that live in the household. Sounds like SF agents are trying to cover themselves are make more money?? Perfect example a cllient of mine caused a major accident in his mother-in-laws car in which he was not a listed driver. The insurance on the car is primary and the driver's insurance was secondary. Both or which were maxed out because of the severity of the accident but State Farm was first. Bottom line is insurance follows the car. Next time you speak with you State Farm agent ask him this, "So your telling me that unless the driver is listed I have no coverage? Then how come when someone steals my car and assuming I have comprehensive it's covered?" Bottom line is they're lieing. Call the Louisiana department of insurance and they'll tell you that if you give someone permission to drive your car then "they're" covered. Insurance follows the car. Matter of fact I bet more than half of insurance agents don't list their teenage drivers.

[Raymond]

Originally Posted by mailreg

The only drivers that the "Insurance Company" want on the policy are those that live in the household. Sounds like SF agents are trying to cover themselves are make more money?? Perfect example a cllient of mine caused a major accident in his mother-in-laws car in which he was not a listed driver. The insurance on the car is primary and the driver's insurance was secondary. Both or which were maxed out because of the severity of the accident but State Farm was first. Bottom line is insurance follows the car. Next time you speak with you State Farm agent ask him this, "So your telling me that unless the driver is listed I have no coverage? Then how come when someone steals my car and assuming I have comprehensive it's covered?" Bottom line is they're lieing. Call the Louisiana department of insurance and they'll tell you that if you give someone permission to drive your car then "they're" covered. Insurance follows the car. Matter of fact I bet more than half of insurance agents don't list their teenage drivers.

We list all drivers in the household to make sure premium is being charged because more than likely they will have access to the vehicle and drive said vehicle. MVR's are run on all drivers in the household to make sure we aren't getting on a risk that can cost us $$$. Right, insurance companies aren't in business to lose money so they try to do their homework ahead of time since they normally can't get off bad business after the fact. Loan your car to anyone but the ding is on you and could possibly be a life changing event if You don't have enough liability coverage, you will be named in the lawsuit.
Failure to list some drivers (YOUT's) can and does happen all the time. Some get away with it and never get caught but if you do, expect the company to calculate the premiums that would have been paid up until the accident occurred and offer to take care of the claim if you pay the back premium or walk alone.

[Edothedado]

Boy, did I open a can of worms! Lol