insurance question

[rh71]

We have 3 vehicles under insurance but I'm wondering if it's ok if they misquoted me by putting 2 of the vehicles under my wife and 1 under me. Realistically, 2 should go under me and 1 under my brother-in-law (he drives it most of the time and it's at his place but registered to my wife). All 3 of us are listed as drivers (same household understanding perhaps). What happens if:

1) I cause an accident under a vehicle my wife is listed for, am I still covered just the same?

2) My brother-in-law causes an accident. Fully covered?

Why don't people always just put it under the least risky person in a household then?

 

[RKS]

don't you have to list the primary driver? Primary and named/listed driver should have the same coverage.

i guess if the ins. company finds out they could always deny a claim due to insurance fraud if you don't list the actual primary driver.

 

[rh71]

This company called and asked if I'd be interested in a quote so I said sure... it lists each car along with a driver for each so my wife has 2 cars and I'm down for 1. I just don't want to correct them if I'm covered just the same, and my BIL is covered (again the car is registered under my wife but it isn't here 100% of the time), all is well I suppose.

 

[fstime]

Doesn't matter.

In fact, I always do this. Put the person who is going to get the cheapest coverage full time for the most expensive car and the person that is going to get the most expensive coverage (teenagers, etc) part time under the cheapest car.

Anyone on the policy can drive any of the cars insured. They have NO way of finding out who the actual primary driver is.


You can take it a step further if your brother in law's license lists him as living at another address and take him off the policy completely. It won't matter in case of an accident, just say you let him take the car out for whatever reason.

If he is listed as living with you guys on his license, then it's another story since all household drivers need to be under the policy and they could deny coverage.

 

[MrWizzard]

OP be careful what insurance advice you take away from here, best thing to do is to call the company or your agent and ask them what to do, record who you spoke to and when then keep that somewhere so you have proof that you did the right thing. Insurance rules greatly vary from state to state so taking someone?s advice on here could be ok in their state but completely wrong and void your policy in another.

 

[Abel007]

It can vary greatly per state, per county, and per insurance company. Call the company and get that clarified with them.

 

[SSSnail]

If all drivers are insured on all the vehicles, it doesn't matter.