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SueSudio t1_iybxcty wrote

Reply to comment by hopingtothrive in My 19yo nephew was at fault and uninsured in an auto accident. He received a bill for $54k from the opposing insurance company. by MyFreeAccount

Insurance rates are typically much higher for people under 25. If the driver doesn't matter why would anyone disclose a junior driver to their insurance company?

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LeCordonB1eu t1_iybzl2c wrote

Because the insurance companies usually knows who is living in the household. Living in the household together means more likelihood of driving the vehicle, so the insurance companies usually ask you to either include them in your insurance or for a written statement that they would not drive the vehicle.

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SueSudio t1_iyct3w9 wrote

Exactly, but the previous statement says that it doesn't matter who is driving the car,.

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LeCordonB1eu t1_iycukx2 wrote

And that is true as well. Anyone can drive your car, given that they have a license. That's what being vehicle insured means...

There are cases where the insurance follows the driver, but it's just more common to see insurances that stay with the designated vehicle. In the case of the latter, a homeless you just ran into could drive your car with permission and would still be covered by the insurance.

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SueSudio t1_iycv0ob wrote

Then why is any driver information relevant to the car insurance other than "who is paying"?

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LeCordonB1eu t1_iyczoj0 wrote

The only driver information that the insurance companies ask for is for those that live in your household. I already went over this in my above comment.

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