"Rainbow" (rainbeaux)
07/29/2017 at 17:45 • Filed to: None
0
5|
"Rainbow" (rainbeaux)
07/29/2017 at 17:45 • Filed to: None | 0
| 5 |
My girlfriend finally got her license yesterday, on her first try, and I’m super proud. But anyway, she’s been staying with my family for a few months to avoid her alcoholic mom, and we decided that she should put our address on her license.
Now she can’t drive our cars, apparently. Since she lives with us and isn’t on our insurance policy, she can’t drive them. She would be able to if she lived elsewhere, but for some stupid reason, Geico won’t cover us if she’s the driver.
How does that work for neighbors in apartment buildings who all share the same address? They can’t borrow each other’s cars?
This is bullshit. We have to shell out around $40 for Lyft every day she goes to work until we get her added.... if that’s even possible. I don’t know how it works since she’s not family or anything.
Funktheduck
> Rainbow
07/29/2017 at 17:59 |
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Apartments have different addresses because of the individual apartments. You should be able to get her added fairly easily but I dunno how much it’d cost
shop-teacher
> Rainbow
07/29/2017 at 18:25 |
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A different apartment # is a different address, that’s how. I’m sure you can get her added for a price. Definitely cheaper that $40 a day for Lyft rides.
wafflesnfalafel
> Rainbow
07/29/2017 at 18:31 |
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You may be able to add her as a driver - but it would not be cheap. Most of those exclusions are written so that people do not avoid reporting the young driver, (and so not paying for that exposure.) Another option is to have her purchase a “Non-Owner” type policy.
gogmorgo - rowing gears in a Grand Cherokee
> Rainbow
07/29/2017 at 19:11 |
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Insurance companies do this sort of thing. The frequency of someone borrowing a car from someone they don’t live with is significantly lower than borrowing one from someone at the same address. If you had someone who couldn’t afford their own car/insurance (for example if they had a poor driving record) the insurance company won’t want to bring on the liability of this person regularly driving the car without them being on the policy with the record known and premiums adjusted accordingly. Occasional borrowing out to a friend is one thing – people are usually more careful with borrowed equipment – but frequent use by someone not on the policy isn’t something the insurance company will want.
Mercedes Streeter
> Rainbow
07/30/2017 at 09:26 |
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Apartment buildings all have different unit numbers, so no sharing.
It’s different for each company and each policy, but generally the insurance company will only pay for drivers you have on the policy, not every licensed driver in the house. Some companies do allow you to pay extra to cover any breathing soul with a license to drive your car.
Oh and state laws may throw an additional wrench in there too.