CarInsurance.com Compare Insurance Companies
> ZIP code:  Quote & Compare
Prefer to talk to an agent? Call 1-800-964-4849
CarInsurance.com Navigation

Get Free Quotes Now

Zip Code:
Save With CarInsurance.com!
Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Professional Answer

Car Insurance Question  My boyfriend backed into my car in our driveway. His insurance company will not cover it because I live with him and I am not insured under his policy. This seems unfair. Why is this? Are all companies like this? What can I do?

There may be two different issues here, one that you live in the same household and thus his insurance company is turning down your claim due to a household exclusion in his policy and the second issue concerning that you live with your boyfriend and that they were unaware of this and had not added you to his policy.

Most insurance companies require that all licensed drivers in a residence are listed on a policy or at the least the insurance company is notified of drivers living in the household and will inform you if they all must be added to the policy or not.

As for the damages to your vehicle in this situation, some insurance policies have what is referred to as a "household exclusion" meaning that if say the driver backs into another household car in the driveway, such as your boyfriend did here, that the liability insurance will not cover the accident.

The mandatory liability coverage on your vehicles protects members of your household against claims brought by people who are NOT part of the household normally, thus if a household car has been damaged it would not usually be covered under your liability policy.

To find out for certain if this is the reason why your boyfriend's insurance company is not allowing you to place a claim for your damages ask for more information on the denial and have your boyfriend read through the policy to see if he finds the household exclusion in it. Your state's insurance regulator should also be able to explain more about your situation and this exclusion.

Not all insurance companies have this type of exclusion as part of their policy so you and your boyfriend may want to shop around for different insurance coverage. If his insurance company definitely will not cover your damages then you could place a claim against your collision coverage, if you have it, or ask for your boyfriend to personally pay for the damages he caused to your vehicle.

Share this on: Digg This StumbleUpon Add to Facebook Add to Del.icio.us Furl It Seed Newsvine
reddit this! Save to Ma.gnolia Save to Blinklist Technorati This Submit to Propeller Windows Live Favorites Add Google Bookmark
Related Questions
Car Insurance RelatedI live in Florida. I am married and I would like to keep separate insurance policies on my car. Is it possible to be married and keep my own policy?
Car Insurance RelatedCan you have two car insurance policies in the same household?
Car Insurance RelatedWhat insurance companies will insure me but not my spouse, if he chooses to keep his license and go with another insurance company? Why should his recent accident record adversely affect MY rates?
Car Insurance RelatedI had a family member back into my parked car which caused some front end damage. I agreed to bring the car to be looked at by a mechanic to see if the damage was cheap enough to fix out of pocket....
Car Insurance RelatedIf I have liability insurance on my car and my car causes damage to my own property will it fix my property?
Car Insurance RelatedI have liability on my Jeep and full coverage on my wife's Pathfinder. While backing out of our drive way she backed into my Jeep. Damage was done to both vehicles. My question is will the Pathfinder'...
Car Insurance RelatedI backed into my boyfriend's son's car in my driveway. My insurance is saying they do not know if it will be covered because he lives in my household. Does the fact he lives here have anything to do w...
Car Insurance RelatedWhat insurance policy pays when your car hits your house? Is it the car insurance or the home?
Car Insurance RelatedCan I place my boyfriend and his car on my insurance policy if we are living together?
Car Insurance RelatedCan I have two different insurance policies (from different companies) for two different cars in my name?
Car Insurance RelatedI was backing my car out of my car port and misjudged it and the right front of my car hit the car port pole. I have damage to my car and the car port pole. How do I file this claim?
Tell us what you think about this answer.
What did you think of this question and answer?

poor 
1
2
3
4
5
6
7
8
9
10

 excellent
Tell us why you rated this car insurance question and answer this way:
Visitor Comments
car insurance commentsThank you so so much for your answer. You helped me understand the situation perfectly. I really do appreciate your help and thank you for taking your time to address my questions. I can't tell you how much I appreciate it.
Question Details
This car insurance question was asked on 2/12/2007
This auto insurance answer was last updated on 2/16/2007
Megan requested this car insurance solution.
Rated 10 out of 10 based on 1 vote.
Claims
Print Car Insurance Answers Print this car insurance question and answer
Email Car Insurance Answers Email this auto insurance answer
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms Of Use.
©2009 CarInsurance.com, Inc. - Online Insurance Marketplace™
safe and secure auto insurance   better business bureau car insurance   Tested, Safe, and Secure Car Insurance