Re: Re: Re: YOUR AUTO INSURANCE --LESSON 1

Subject: Re: Re: Re: Re: YOUR AUTO INSURANCE --LESSON 1

Comments:
: Ken, I hate to jump into the hip deep excrement here, but here goes; : I have been an adjuster for 14 years and have various certifications in P&C, including adjuster's licenses in two states, in addition to two IIA degrees. : The Family Auto Policy is the old name for the Personal Auto Policy. It has not been the Family policy since before I began in this business. : The policy FOLLOWS THE VEHICLE - all the time. This also means the LIABILITY portion of the policy responds to 3d party claims, no matter who is driving. The only exception would be if the vehicle was driven without the insured's permission. : The neighbor's auto policy would be SECONDARY coverage and would only come into effect in the case of insufficient limits under the PRIMARY policy. : The insurer providing primary coverage CANNOT subrogate against the neighbor driving. The neighbor becomes an insured under the policy when he is driving with permission. It would be against public policy and therefore illegal in all states to do this. Look at the defninitions area of the policy as to who is an insured under the policy. It includes "permissive users". : My 3 months with PFS does not qualify me as a life agent, which is certainly your pervue and expertise. Mine is however P&C and I had to correct the information here. : TO: MISLED : : FROM: KEN YOUNG : : You flunked your lesson again. You are confusing commercial auto with family auto. : : Now sit back and listen instead of your usual taking the opposite side of everything I say and I mean everything and then maybe you will learn something for once in your life. : : Afterall, you were not in the industry prior to joining PFS and you recently had your appointment contract cancelled on you. : : You claim you remained in the industry after you were terminated from PFS and now you are inferring that you are also qualified to crotique me who has taught personal lines P&C products? : : That's just one of the reasons you got yourself into a sling Bub. : : By the way, one of my many friends of mine who monitors your personal PFS message board called me today and mentioned to me that with the exception of steve posting messages to your message board under many different familiar names he also knows about, and then posting responses to himself on your PFS board, your board is almost dead now. : : The only exception to the qualified information I posted which every auto insurance policy holder knows about who has a young adult child in college, as long as the auto is registered to the policyholder and not the his child, the college student is covered away from home, but you didn't know that either did you. : : So do everyone here on this board a favor who is attempting to gain qualified information butt out and sit back and get yourself an education, okay? : : Save your comments about my posting here to the wars messge board where you spend most of your day all day long bashing and libeling me. : : You and your compradres are so sad and pathetic and shortly, I'll have my day in court won't I if you know what I mean. : : Ken Young : : -------------------------------------------------- : : e (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.

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