ADDING DRIVERS TO CAR INS?
By Chuck Wells
Anyone you give permission to
drive your car is covered under your car insurance policy
whether they are listed on your policy
We had a situation recently
where one of our clients allowed his son to drive his car to New
York City where the son lives. The young man had an accident
with the father’s car and he will now be added to the father’s
car insurance policy and the premiums will go through the roof.
The father doesn’t think that is fair.
Can an insurance company just
add a driver onto your policy without your permission? Yes.
If the insurance company finds
out about a driver in your household or if someone uses your car
and has an accident, that person can be added to your policy
without your choice. The only way out of this is if the person
has his own car insurance policy and can prove that to the
insurance company. If he doesn’t have his own policy, you are
out of luck. If that person driving your car has a bad driving
record, your car insurance company will cancel your policy and
you will go into the risk pool as they can’t trust you to only
have good drivers driving your cars.
The moral to this story is not
to allow anyone to drive your cars unless it is an emergency.
Keep in mind that if someone borrows your car and has an
accident where people are injured, the driver and you (the owner
of the car) will be sued together. Do you want the possibility
of a lawsuit just so you can be nice to someone who shouldn’t be
driving your car? This goes especially for grandparents who do
this to help their grandkids out. Don’t do it! Period!
MURDER OR JUST A VIRTUAL
The Munich, Germany police were called by neighbors who
saw a man carrying a woman’s lifeless body into his apartment. A
second call came in indicating the man was carrying in another
lifeless female body dressed differently, different hair color,
complexion, and shoes. When the police arrived at the man’s
apartment, they became suspicious as the man was nervous,
hostile, barely dressed, and sweating. The man finally allowed
officers into his apartment where they found a collection of
life-like, life-size silicon sex dolls. These dolls were
semi-solid, realistically dense, and came with “special
features.” “Apparently he had just been testing out his new
acquisition when police arrived.” Thus explaining his appearance
at the door. The police hurriedly left upon completing the
NO BIG DEAL
Tamika Ross is being charged
with the murder of Nathaniel Davis. It seems that Ross ran over
Davis’ hat. Davis then confronted Ross and after a heated
argument, hit Ross. Ross then got in her car and ran over Davis,
killing him. Her statement to police: “He hit me so I ran him
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