{"id":4811,"date":"2016-01-11T13:28:24","date_gmt":"2016-01-11T13:28:24","guid":{"rendered":"https:\/\/469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io\/?p=4811"},"modified":"2016-01-11T13:28:24","modified_gmt":"2016-01-11T13:28:24","slug":"some-really-bad-auto-insurance-decisions-that-you-will-regret","status":"publish","type":"post","link":"https:\/\/swflinsurance.com\/some-really-bad-auto-insurance-decisions-that-you-will-regret\/","title":{"rendered":"Some Really Bad Auto Insurance Decisions that you will Regret\u2026."},"content":{"rendered":"

We often forget that our auto insurance policies are contracts. Besides paying your premium on time, in order to keep your car insurance rates<\/strong> down you should abide by your car insurance company\u2019s rules.<\/p>\n

But how can you abide by the rules when you don\u2019t even know what they are?<\/p>\n

Here are 10 common scenarios<\/strong> that people ask about. If any of these hit close to home, quickly fix the issue before you get in a pickle.<\/strong><\/p>\n

    \n
  1. You haven\u2019t added a licensed teen to your car insurance policy.<\/strong><\/li>\n

    Withholding information about your teenage driver from your car insurance company is a big no-no. They will find out\u2026.They will either increase your premiums or cancel your policy. If there is an accident before they find out, the company can deny the claim and cancel your policy or cover the claim and request all back adjusted premiums.<\/p>\n

  2. You let your adult child take your car when they moved to another state.<\/strong><\/li>\n

    Car insurance companies expect to be informed about these changes. If your daughter were in an accident, your insurer could say you concealed vital information about the vehicle\u2019s location, deny your claim and cancel the policy. The better way, add the child\u2019s name to the car\u2019s title. Then your child can buy insurance for the car in her own name and using her new address. This will also allow your child to register the car in her new state, which most states require.<\/p>\n

  3. You sold your car to your son but still carry the insurance on it.<\/strong><\/li>\n

    Not good. In general, you cannot carry insurance on a car in which you don\u2019t have an \u201cinsurable interest.\u201d Typically those with an insurable interest are the car\u2019s owners, lienholders and co-signers \u2013 meaning those who would be affected financially if something happens to the car.<\/p>\n

    Your child should buy car insurance for the vehicle. If he\u2019s still a minor, you may have to be on the policy with him. Minors typically must have a parent or guardian involved in the auto insurance contract.<\/p>\n

    You could face problems submitting a claim if you have failed to tell your insurance company about the ownership change. Or worse, the car insurance company could say you hid the change as a scheme to get lower car insurance rates, which would qualify as insurance fraud and a reason for it to deny claims and cancel the policy.<\/p>\n

  4. You are financing and insuring a car for a relative who lives out of state.<\/strong><\/li>\n

    Auto finance companies want evidence that the car loan is in the same name as the insurance policy. Since you\u2019re not the primary driver of the car, nor is the car at your residence, it is difficult, if not impossible, for you to insure the car.<\/p>\n

    You should contact the finance company to see if it will allow your relative to be the \u201cnamed insured\u201d on a policy. If it agrees, your relative has the hurdle of finding an insurance company in her state that will permit her to insure a car she doesn\u2019t own. If she can find such a company, then she still has to list you and the finance company on the insurance as owner and lienholder, respectively.<\/p>\n

    If you carry insurance on the car without telling your insurer about the situation and your relative wrecks the vehicle, it\u2019s very likely the accident wouldn\u2019t be covered. Your car insurance company is likely to call you out for misrepresenting who was driving the car and where it was located, and cancel the policy.<\/p>\n

  5. You lend your car to a friend for a few months and don\u2019t notify the insurance company.<\/strong><\/li>\n

    Your car insurance policy typically will cover a friend who drives your car occasionally, but it\u2019s a different story when you loan your car out for a long period. The car is now housed someplace other than your residence, and someone else is acting as the primary driver of the car \u2014 both circumstances your car insurance company wants to know about.<\/p>\n

    If your insurance company\u2019s rules allow, you may be permitted to add your friend as a driver to your auto policy, but most car insurance companies don\u2019t want to add a person outside of the household. If that is the case, your friend should consider insuring the car. Some insurance companies will allow someone to insure a car that he doesn\u2019t own, as long as the owner is listed on the policy.<\/p>\n

    If your friend crashes your car, your insurer can deny claims because you concealed pertinent information about the \u201creal\u201d driver and vehicle location. That can leave you and your friend on the hook for damages he caused.<\/p>\n

  6. You sold your car and the buyer is making payments but you\u2019re still carrying the title and insurance.<\/strong><\/li>\n

    Don\u2019t keep your name and insurance on a car that another person possesses!<\/p>\n

    First, as the owner \u2013 because your name is still on the title \u2014 you have vicarious liability for the actions of the person driving the car that you \u201csold.\u201d<\/p>\n

    Second, you\u2019re paying for insurance but any claims might not be covered. Your car insurance policy normally covers cars and drivers of your household, not others.<\/p>\n

    If you\u2019re in this situation, you should sign the title over to the new party. He can easily get insurance once he registers the car \u2014 and you will no longer be held responsible for his actions. To protect your interest in the car, make certain you\u2019re listed as the lienholder on the car\u2019s title and auto insurance policy. That way you\u2019ll be notified if he tries to sell the car or drop car insurance.<\/p>\n

  7. You\u2019re delivering pizzas with your personal vehicle.<\/strong><\/li>\n

    Most personal auto insurance policies exclude coverage if you use the vehicle to deliver items, whether it\u2019s pizza, newspapers, packages or medical supplies. Insurance companies see unsavory risk in delivery drivers because they are constantly on the road.<\/p>\n

    If you want to be paid to deliver items, you should change to a business-use or commercial car insurance policy. If you don\u2019t and you get caught driving for deliveries, you\u2019re on your own to compensate others for damages they sustained \u2014 and the damages to your own vehicle.<\/p>\n

  8. You let an \u201cexcluded driver\u201d drive your car.<\/strong><\/li>\n

    Big mistake. When you put a named-driver exclusion on your policy it meant that the person listed is not covered under any circumstances and shouldn\u2019t be driving your car.<\/p>\n

    So if that person gets behind the wheel of your car, even in an emergency, and causes an accident, you and the driver will be the ones to pay for any resulting injuries or property damage.<\/p>\n

    Hide your keys from any excluded driver in order to lower your risk of financial disaster.<\/p>\n

  9. You bought a new car weeks ago and haven\u2019t told your insurer.<\/strong><\/li>\n

    If you traded in a vehicle, then your car insurance policy likely extends the same exact coverage to your new car for a limited time. This means if you bought only liability on your old car, your new car would only have liability coverage.<\/p>\n

    The deadline for informing your insurer about the new car varies by insurer, but is typically 14 to 30 days. Don\u2019t bet on having automatic coverage, either; some car insurance companies don\u2019t give you any.<\/p>\n

    And if you\u2019re adding a car rather than replacing one, you should buy coverage for it before driving it off the lot.<\/p>\n

    If you\u2019re outside the insurer\u2019s automatic coverage period, or there is no extended coverage on your new car, and you\u2019re in an accident, your insurance company won\u2019t help you. You\u2019ll be paying out-of-pocket for damages you do to your own car or others.<\/p>\n

  10. You haven\u2019t told your insurance company that your live-in girlfriend drives your car.<\/strong><\/li>\n

    Insurance companies hate it when you \u201cforget\u201d to tell them about a driver who lives with you or regularly uses your car. Insurers can\u2019t charge you correctly if they don\u2019t know about all licensed household members, including a girlfriend or spouse.<\/p>\n

    If you recently got married or moved in with someone, let the insurance company know immediately and have the person added to your policy as a driver. If you fail to do so, don\u2019t be surprised if claims are denied if they cause an accident, or if you\u2019re asked to pay back premiums based on the additional driver.<\/p>\n

    If your car insurance company believes you were intentionally hiding the driver \u2013 say your girlfriend has a bad driving record \u2014 then it may say you committed fraud by means of misrepresentation. This means your car insurance company can cancel your policy.\n<\/ol>\n

    Not sure what to do\u2026.Call SWFL Insurance Agency at 239-265-9577<\/a>\u2026We have good rates and know how to best insure your situation. Thanks much.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

    We often forget that our auto insurance policies are contracts. Besides paying your premium on time, in order to keep your car insurance rates down you should abide by your car insurance company\u2019s rules. But how can you abide by the rules when you don\u2019t even know what they are? Here are 10 common scenarios that people ask about. If any of these hit close to home, quickly fix the issue before you get in a pickle. You haven\u2019t added a licensed teen to your car insurance policy. Withholding information about your teenage driver from your car insurance company is a big no-no. They will find out\u2026.They will either increase your premiums or cancel your policy. If there is an accident before they find out, the company can deny the claim and cancel your policy or cover the claim and request all back adjusted premiums. You let your adult child take your car when they moved to another state. Car insurance companies expect to be informed about these changes. If your daughter were in an accident, your insurer could say you concealed vital information about the vehicle\u2019s location, deny your claim and cancel the policy. The better way, add the child\u2019s name to the car\u2019s title. Then your child can buy insurance for the car in her own name and using her new address. This will also allow your child to register the car in her new state, which most states require. You sold your car to your son but still carry the insurance on it. Not good. In general, you cannot carry insurance on a car in which you don\u2019t have an \u201cinsurable interest.\u201d Typically those with an insurable interest are the car\u2019s owners, lienholders and co-signers \u2013 meaning those who would be affected financially if something happens to the car. Your child should buy car insurance for the vehicle. If he\u2019s still a minor, you may have to be on the policy with him. Minors typically must have a parent or guardian involved in the auto insurance contract. You could face problems submitting a claim if you have failed to tell your insurance company about the ownership change. Or worse, the car insurance company could say you hid the change as a scheme to get lower car insurance rates, which would qualify as insurance fraud and a reason for it to deny claims and cancel the policy. You are financing and insuring a car for a relative who lives out of state. Auto finance companies want evidence that the car loan is in the same name as the insurance policy. Since you\u2019re not the primary driver of the car, nor is the car at your residence, it is difficult, if not impossible, for you to insure the car. You should contact the finance company to see if it will allow your relative to be the \u201cnamed insured\u201d on a policy. If it agrees, your relative has the hurdle of finding an insurance company in her state that will permit her to insure a car she doesn\u2019t own. If she can find such a company, then she still has to list you and the finance company on the insurance as owner and lienholder, respectively. If you carry insurance on the car without telling your insurer about the situation and your relative wrecks the vehicle, it\u2019s very likely the accident wouldn\u2019t be covered. Your car insurance company is likely to call you out for misrepresenting who was driving the car and where it was located, and cancel the policy. You lend your car to a friend for a few months and don\u2019t notify the insurance company. Your car insurance policy typically will cover a friend who drives your car occasionally, but it\u2019s a different story when you loan your car out for a long period. The car is now housed someplace other than your residence, and someone else is acting as the primary driver of the car \u2014 both circumstances your car insurance company wants to know about. If your insurance company\u2019s rules allow, you may be permitted to add your friend as a driver to your auto policy, but most car insurance companies don\u2019t want to add a person outside of the household. If that is the case, your friend should consider insuring the car. Some insurance companies will allow someone to insure a car that he doesn\u2019t own, as long as the owner is listed on the policy. If your friend crashes your car, your insurer can deny claims because you concealed pertinent information about the \u201creal\u201d driver and vehicle location. That can leave you and your friend on the hook for damages he caused. You sold your car and the buyer is making payments but you\u2019re still carrying the title and insurance. Don\u2019t keep your name and insurance on a car that another person possesses! First, as the owner \u2013 because your name is still on the title \u2014 you have vicarious liability for the actions of the person driving the car that you \u201csold.\u201d Second, you\u2019re paying for insurance but any claims might not be covered. Your car insurance policy normally covers cars and drivers of your household, not others. If you\u2019re in this situation, you should sign the title over to the new party. He can easily get insurance once he registers the car \u2014 and you will no longer be held responsible for his actions. To protect your interest in the car, make certain you\u2019re listed as the lienholder on the car\u2019s title and auto insurance policy. That way you\u2019ll be notified if he tries to sell the car or drop car insurance. You\u2019re delivering pizzas with your personal vehicle. Most personal auto insurance policies exclude coverage if you use the vehicle to deliver items, whether it\u2019s pizza, newspapers, packages or medical supplies. Insurance companies see unsavory risk in delivery drivers because they are constantly on the road. If you want to be paid to deliver items, you should change to a business-use<\/p>\n","protected":false},"author":2,"featured_media":4365,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"We often forget that our auto insurance policies are contracts. 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