|
|
 |
 |
 |
 |
 |
In Reply to: YOUR AUTO INSURANCE --LESSON 1 posted by KEN YOUNG on September 03, 2001 at 23:25:08:
Family auto policies provide converage (sic) for any licensed driver in the household who is named on the policy.
--Ken, this is only partially true. First, there are NAMED insured and then there are operator. Not everyone on the policy is a named insured. Usually, the named insureds are the parents (or the head of household if single). Operators are any person living in your house that drives one of the listed vehicles on a REGULAR basis.
Their names must be listed on the declaration page of the policy if they live in your home and they are licensed.
--Again, not true. Example number one, a child has there own car and their own policy. In this case, this licensed driver would not need to be listed on the parents policy. Example number two, an insured lets a neighbor borrow their vehicle and the neighbor is involved in an accident. By your statement, there would be no coverage because the neighbor is not listed on the policy and is not living with the insureds. This is not true, there WOULD be coverage as the insurance follows the vehicle, NOT the person holding the policy.