divorce presents special problems when it comes to insuring teen drivers. Today’s teenagers are likely to spend equal time with both parents. There are numerous combinations of individuals of stepfamilies and other living arrangements that our ideas about the composition of the nuclear family continue to change. As a result, adolescents have access to vehicles in more than one household Questions about liability and insurance coverage while teen is behind the wheel of any number of possible vehicle mount quickly. Each of the two separate parent provides insurance? Is a parent, their new spouse or boyfriend or girlfriend living in the household responsibility if the teenagers involved in the fault accident? What steps can be taken to protect young people and yourself?
Understanding some general ideas can help you wade through the murky waters of auto insurance and buy protection where you are divorced and are responsible for teen drivers.
1. The Family Car Theory – When teenagers to drive a car you have teenagers or anyone else for that matter is considered to be an agent. This means that if there is an accident, not only is the driver responsible, but you as the owner have liability as well as the owner of the vehicle.
Further, if teenagers living at home, parent-owner is responsible for a person injured in an accident caused by negligence teen driver to the same extent as teen driving the car. This is called “Family Car Doctrine.” Former spouse, who lives in a separate building, which has no ownership interest in the car the teen is driving, is not responsible.
As you can imagine, it can be a matter of whether or not teenagers lived primarily with you or with your former spouse. However, if you keep in mind that anyone operating your car with your permission acts as an agent and you may have personal liability for an accident that the car owner, the version where the teen resides may become less important.
2. Insurance First attached to the car – Another idea to consider is to say liability insurance first car being driven by teenagers. In other words, the insurance on the car, run by teens is essentially insurance coverage. It offers protection for the operator teenagers. It covers you as the owner. teenagers can have other insurance that provides coverage through your former spouse home where he could live. This would be another insurance. You as the owner can have an umbrella or excess policy, which would also be part of the secondary insurance.
3. The Insurance Application is Critical – This is the point where these ideas come into play. The premium for the insurance fees for auto insurance is based on risk insured driver is in an accident. Evaluating these risks begins with a discussion of insurance application. When making an application for insurance it is important to answer all the questions true. These questions will deal with teen driver.
A common application for insurance will ask the names and ages of all members of the household. The insurance company will seek information about the driving age children living in the house. The application will ask if teenagers living in the house will actually be driving the insured vehicle.
Clouds of uncertainty can set in. Whether out of fear of higher premiums or thought not spend enough time in your house or is covered by a son or auto policy other parent, can lead you to display the child as a member of the household. Caution: If you do not provide teenagers and she or he is then in an accident while driving the car, the insurance company can deny coverage. This means that assets may be at risk.
4. Excluded Drive – There are methods address the problem or the cost or the fact that young people are covered by other policies. You can decide to exclude certain young people from operating vehicles. For example, you and your ex-spouse may decide to allow teens to drive one home and shift premiums between the two of you. This is a common solution to the high cost of insurance. However, if you are a parent who has ruled driver provision, you will never let teenagers drive one of the vehicles. In the event exclude teen driver operates car and is in fault accident, the insurance company will probably refuse coverage for both you and your teen.
5. Dual Coverage – A more expensive, and safer way to deal teenagers driving in two households is to have teenagers identified by the program as a driver in both homes. Yes, this option can be incredibly expensive. However, it is the most secure way to protect your assets through insurance coverage for teenagers behind the wheel.
Divorce presents special problems when it comes to teen drivers. The issue of automobile liability insurance coverage can be complicated. Money is often tight in a divorced home. While most sure method to protect your personal assets while teen is behind the wheel is to have teen identified and insured auto policy for vehicles in both homes. To reduce costs, the fall back position might need except for teen driver in one home. While rational choice, it may not be practical because you can not let teenagers drive vehicles. If you let excluded teens to drive your car and should he or she engaged in teaching accident insurance nay not provide insurance for teenagers or for you.