Teen brothers on one policy

[loveofgod220]

Hello,
18 year old son (B) has a Jeep and was just in a fender bender. His 19 year old brother (J) has a car that recently died. Both owned cars in their own name and had their own policies.

To save $, they are going to share the Jeep. J was going to be added to B’s policy, but our local agent said it’s too expensive.

Is that something they can say/deny? What do we do here?

Any advice welcome!

 

[ijrgerohnoxi]

@loveofgod220 If J is going to be driving the car regularly, which it sounds like he will, he absolutely needs to be listed as a rated driver on B's policy. Yes it's going to be more expensive, but not doing so would be material misrepresentation, a form of insurance fraud. That can get a claim denied. Either your agent is unethical or totally stupid as he should know this. Either way, I'd get a new agent

 

[loveofgod220]

@ijrgerohnoxi Thanks, not insuring him isn’t an option. I just didn’t understand why our agent said they wouldn’t do it. We are calling tomorrow

 

[zastaman]

@ijrgerohnoxi not all companies require that and agents who fit their customers into loopholes are much more ethical then those who don't roll with the ins and outs of insurance.

agents are there to get you the best deals, and save you money where possible. who wants an agent who makes you spend tens of thousands of dollars unnecessarily.

 

[ijrgerohnoxi]

@zastaman I don't think you can name a single company that doesn't want every driver who's driving a vehicle regularly, (we're not talking permissive use here because this doesn't qualify) and not have them rated and charging premium for that risk. Otherwise someone could get a policy in their name with them listed as the only rated driver then let their brother, sister, neighbor, kid, whoever, drive the car daily even tho they have 5 speeding tickets, 3 at fault accidents and a DUI or two all within the past 2 years so they could save those thousands in premiums.

 

[polycarp26]

@loveofgod220 Some companies (like mine) won't allow two youthful drivers on the same vehicle.

 

[zastaman]

@loveofgod220 id listen to your agent. did you ask him to elaborate on how that would play out?

 

[loveofgod220]

@zastaman We are waiting for a callback on Thursday. I’ll share the findings!