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MyFreeAccount OP t1_iyd5so5 wrote

Reply to comment by theoriginalharbinger 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

Who owns the car: mother and grandmother

Who is the car registered to: mother

Who is the named insured: mother

how long ago did he move out: 6 months

was he still considered a household member: he had returned home for a month or so

was he a named exclusion on the policy: he wasn't specifically excluded, just removed as a result of the high cost

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theoriginalharbinger t1_iyecapw wrote

Yeah, so chances are - and you should ignore everyone upthread saying "He should be covered!" because that isn't how it works - there is a requirement that all members of the household be either named as included drivers or specifically excluded.

This is done so that Sober Jane can't just get insurance for herself, and then toss the keys to her spouse, Drunken Bob With 3 DUI's, whenever he wants to drive. If somebody is a member of the household, there is specific treatment for that household member. That they "removed" him likely means that he is now specifically excluded as he is a member of the household.

Even if they do elect to cover him, you'd want to see what the property damage limits on the policy are. California is (drumroll) 5k property damage minimums. So even if they do have a policy in effect, it might be very very limited.

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27Believe t1_iyej143 wrote

Well it took til now for op to say he returned for a month! All that was said before was he moved out !

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theoriginalharbinger t1_iyejahz wrote

Yeah, I'm thinking of writing an FAQ on "How to ask a question."

Chronology is important and that's not a mundane detail.

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