Can I Add My Son’s Car to My Insurance Policy
As a parent, one of your top priorities is to ensure that your son or daughter is safe. That’s why you would do anything to protect them, including adding their car to your insurance policy. However, there are a few things you need to know before you make this decision. In this article, we’ll cover the basics of adding a car to your insurance policy and help you make an informed decision. ###
What is an Uninsured Motorist Coverage?
If you have an uninsured motorist coverage, your policy will pay for damages caused by someone who doesn’t have insurance. This coverage is usually included in car insurance policies. Uninsured motorist coverage can help protect you if you’re involved in a car accident with an uninsured driver.
Types of Uninsured Motorist Coverage
Uninsured Motorist Coverage (UM) is a type of insurance available to drivers that does not have liability insurance. UM policies cover injuries and damages that you may cause to other drivers while driving uninsured.
There are three types of UM coverage: bodily injury, property damage, and death. Each policy has different limits on the amount of money it will pay out in a claim. You should choose the coverage that is right for you based on your own risk factors.
Some things to consider when choosing UM coverage include whether you plan on driving uninsured often, how much money you are willing to spend each year on UM coverage, and the severity of the potential injuries or damages.
My Son’s Car Doesn’t Fit Into the Policy – What to Do?
If you have a car that doesn’t fit into the policy’s coverage, you may be able to add it. The process will vary depending on your insurer, but typically there will be some sort of form you need to fill out or an approval process you must go through. In addition, most insurers require that the car have been registered in your name for at least six months prior to applying. If the car has been in a serious accident, it may not be eligible for coverage even if it is registered in your name.
If you are having trouble getting your son’s car added to his policy, talk to your insurance company representative. They may be able to help you out or point you in the right direction.
Conclusion
Yes, you can add your son’s car to your policy. However, there are a few caveats that you should be aware of. First and foremost, if your son is not the primary driver of the car, then the coverage will likely be limited. In addition, make sure to read the fine print carefully so that you understand all of the exclusions that may apply to your specific policy. If you have any further questions about whether or not adding your son’s car to your policy is a good idea, please don’t hesitate to reach out to our team at Arnold & Porter Insurance Agency for help.
