Do I really need to buy car insurance?

[Azndude51]

So I'm 19 and go to college, I am currently living in the dorms but might be moving back home next semester to save money (my house is in town). I never drive and I don't own a car, but my parents do. Since I might be driving to class next semester, my mom asked her agent about how much my insurance would cost. He pretty much yelled at her and said that if she didn't immediately buy insurance for me, he would look my info up (driver's license number, etc) and force her to...


Needless to say, we will be taking our business elsewhere from now on, but am I really supposed to have insurance in my situation or is he just hoping to get richer off my high rates? I will buy insurance though next semester when I drive to class and around town.

 

[lobbyone]

You drive a car, and you have a license, you will need insurance. I mean, you can still drive without one, but its for safety I guess.

 

[Brainonska511]

Depends. My parents (use StateFarm) have to carry insurance in my name for their cars because my legal, permanent address is still at home. Of course, they get a discount on the rate because I'm home for a limited amount of time during the year.

 

[iamwiz82]

Insurance covers the car, not the person. You do not need it, especially if you wont be driving any of the cars.

 

[dainthomas]

Originally posted by: Azndude51
So I'm 19 and go to college, I am currently living in the dorms but might be moving back home next semester to save money (my house is in town). I never drive and I don't own a car, but my parents do. He pretty much yelled at her and said that if she didn't immediately buy insurance for me, he would look my info up (driver's license number, etc) and force her to...
Since I might be driving to class next semester, my mom asked her agent about how much my insurance would cost.


Needless to say, we will be taking our business elsewhere from now on, but am I really supposed to have insurance in my situation or is he just hoping to get richer off my high rates? I will buy insurance though next semester when I drive to class and around town.

Who yelled at who?

 

[Mrfrog840]

Originally posted by: lobbyone
You drive a car, and you have a license, you will need insurance. I mean, you can still drive without one, but its for safety I guess.

more liability than safety....



10k< for a car
500k< possibly for medical help if needed sometimes...
?k<lawsuit against you from people you might get into accident

 

[Schfifty Five]

Originally posted by: Azndude51
So I'm 19 and go to college, I am currently living in the dorms but might be moving back home next semester to save money (my house is in town). I never drive and I don't own a car, but my parents do. He pretty much yelled at her and said that if she didn't immediately buy insurance for me, he would look my info up (driver's license number, etc) and force her to...
Since I might be driving to class next semester, my mom asked her agent about how much my insurance would cost.


Needless to say, we will be taking our business elsewhere from now on, but am I really supposed to have insurance in my situation or is he just hoping to get richer off my high rates? I will buy insurance though next semester when I drive to class and around town.

Did anyone else get confused by that part? Who's "he" and "her"??

 

[Azndude51]

Originally posted by: Brainonska511
Depends. My parents (use StateFarm) have to carry insurance in my name for their cars because my legal, permanent address is still at home. Of course, they get a discount on the rate because I'm home for a limited amount of time during the year.

Is that State Farm's policy or is that a law? We also have State Farm, but will be switching to another company either way since our agent is an asshole.

 

[Brainonska511]

Originally posted by: Azndude51

Originally posted by: Brainonska511
Depends. My parents (use StateFarm) have to carry insurance in my name for their cars because my legal, permanent address is still at home. Of course, they get a discount on the rate because I'm home for a limited amount of time during the year.

Is that State Farm's policy or is that a law? We also have State Farm, but will be switching to another company either way since our agent is an asshole.

I'm thinking it may be a StateFarm policy.

 

[Azndude51]

Originally posted by: Schfifty Five

Originally posted by: Azndude51
So I'm 19 and go to college, I am currently living in the dorms but might be moving back home next semester to save money (my house is in town). I never drive and I don't own a car, but my parents do. He pretty much yelled at her and said that if she didn't immediately buy insurance for me, he would look my info up (driver's license number, etc) and force her to...
Since I might be driving to class next semester, my mom asked her agent about how much my insurance would cost.


Needless to say, we will be taking our business elsewhere from now on, but am I really supposed to have insurance in my situation or is he just hoping to get richer off my high rates? I will buy insurance though next semester when I drive to class and around town.

Did anyone else get confused by that part? Who's "he" and "her"??

Sorry, fixed

 

[KK]

Originally posted by: Schfifty Five

Originally posted by: Azndude51
So I'm 19 and go to college, I am currently living in the dorms but might be moving back home next semester to save money (my house is in town). I never drive and I don't own a car, but my parents do. He pretty much yelled at her and said that if she didn't immediately buy insurance for me, he would look my info up (driver's license number, etc) and force her to...
Since I might be driving to class next semester, my mom asked her agent about how much my insurance would cost.


Needless to say, we will be taking our business elsewhere from now on, but am I really supposed to have insurance in my situation or is he just hoping to get richer off my high rates? I will buy insurance though next semester when I drive to class and around town.

Did anyone else get confused by that part? Who's "he" and "her"??

/raises hand

 

[50cent1228]

don't need it

 

[TwinkleToes77]

Policy is that anyone that is licensed in a household, has to either be on their own policy or on someone elses.

 

[jtvang125]

I'm assuming when you're talking about "he" you mean your mom's agent.

They can't force you to have insurance if you don't drive nor can they force your parents to add you to their policy unless they have proof that you drive the car. If your parents says that you don't drive any of their cars at all then they'll have to take your parent's word for it.

 

[OutHouse]

Originally posted by: iamwiz82
Insurance covers the car, not the person. You do not need it, especially if you wont be driving any of the cars.

insurance covers the person driving the car. many insurance companies require you to buy insurance if you have a child of driving age if the kid does have a drivers license with the parents home address listed on the DL. The reason is (theirs not mine so dont flame me) is that there is a potential for the kid to drive.

so to answer the OP's question if you insurance company makes your parents buy more insurance because you live at home then you you need to pay for it.

 

[BigJ]

I'm on Allstate and when I was on my parents plan I had to be on their insurance. However, they distinguished based on how often you drove. So since I wasn't driving a lot (still walked to school in HS) I was on designated as limited or something to that effecet. Wound up saving me money on insurance (I paid the difference between without me on the plan and me on the plan).

 

[TwinkleToes77]

Originally posted by: jtvang125
I'm assuming when you're talking about "he" you mean your mom's agent.

They can't force you to have insurance if you don't drive nor can they force your parents to add you to their policy unless they have proof that you drive the car. If your parents says that you don't drive any of their cars at all then they'll have to take your parent's word for it.

not quite.. they will probably have to sign an affadavit stating the fact. His parents policy could actually cancel them for not adding their son, because he has access to the car, is a licensed driver, and is not on any other policy. He will just be listed as an occassional driver. He even said that he planned on driving the car next semester.

 

[smack Down]

Originally posted by: Brainonska511

Originally posted by: Azndude51

Originally posted by: Brainonska511
Depends. My parents (use StateFarm) have to carry insurance in my name for their cars because my legal, permanent address is still at home. Of course, they get a discount on the rate because I'm home for a limited amount of time during the year.

Is that State Farm's policy or is that a law? We also have State Farm, but will be switching to another company either way since our agent is an asshole.

I'm thinking it may be a StateFarm policy.

I think most companies have that same policy because they know you are lying when they say you are not going to drive.

 

[herbiehancock]

Originally posted by: Schfifty Five

Originally posted by: Azndude51
So I'm 19 and go to college, I am currently living in the dorms but might be moving back home next semester to save money (my house is in town). I never drive and I don't own a car, but my parents do. He pretty much yelled at her and said that if she didn't immediately buy insurance for me, he would look my info up (driver's license number, etc) and force her to...
Since I might be driving to class next semester, my mom asked her agent about how much my insurance would cost.


Needless to say, we will be taking our business elsewhere from now on, but am I really supposed to have insurance in my situation or is he just hoping to get richer off my high rates? I will buy insurance though next semester when I drive to class and around town.

Did anyone else get confused by that part? Who's "he" and "her"??

The OP's Mother and Father..........DUH!

 

[OutHouse]

Originally posted by: TwinkleToes77
Policy is that anyone that is licensed in a household, has to either be on their own policy or on someone elses.

damn beat me.

 

[mugs]

Why would you make this decision:

Originally posted by: Azndude51
Needless to say, we will be taking our business elsewhere from now on,

Without knowing the answer to this question:

but am I really supposed to have insurance in my situation

?

 

[BigJ]

Originally posted by: mugs
Why would you make this decision:

Originally posted by: Azndude51
Needless to say, we will be taking our business elsewhere from now on,

Without knowing the answer to this question:

but am I really supposed to have insurance in my situation

?

While the insurance agent might be in the right (regarding policy), it's a matter of customer service. The agent (if what the OP is saying is true) was abusive towards his parents. That reason alone would persuade me to check other avenues.

 

[Kelvrick]

Originally posted by: TwinkleToes77

Originally posted by: jtvang125
I'm assuming when you're talking about "he" you mean your mom's agent.

They can't force you to have insurance if you don't drive nor can they force your parents to add you to their policy unless they have proof that you drive the car. If your parents says that you don't drive any of their cars at all then they'll have to take your parent's word for it.

not quite.. they will probably have to sign an affadavit stating the fact. His parents policy could actually cancel them for not adding their son, because he has access to the car, is a licensed driver, and is not on any other policy. He will just be listed as an occassional driver. He even said that he planned on driving the car next semester.

Dunno how it is where he lives, but in Cali, all licensed drivers in the household have to be on the policy or they're excluded. If he doesn't live there, it'll be covered by law, but coverage will drop down to state minimums and people with decent assets shouldn't be stupid enough to take the risk.

 

[mugs]

Originally posted by: BigJ

Originally posted by: mugs
Why would you make this decision:

Originally posted by: Azndude51
Needless to say, we will be taking our business elsewhere from now on,

Without knowing the answer to this question:

but am I really supposed to have insurance in my situation

?

While the insurance agent might be in the right (regarding policy), it's a matter of customer service. The agent (if what the OP is saying is true) was abusive towards his parents. That reason alone would persuade me to check other avenues.

Or he may have just been stressing the urgent need to be in compliance with the insurance company's policies so that they can't deny a claim if there is an accident, and she took it the wrong way.

 

[RbSX]

Before I had my own car since I drove my car less than 10% of the time I was covered under my parents policy.