mauvais23 asked:
I live with my parents who each drive their own car and both cars and drivers are listed on my dad’s policy. I financed a car and have my own insurance with a different company (a bit cheaper than theirs) and im looking to change my insurance company. One of my parents recently had their license suspended and when i called to another insurance company to get a quote they told me they couldn’t write the policy because of the other driver’s suspension. If the car is in my name and no one else drives it but me because they each have their own car and their own insurance, why wont the insurance company write the policy for me?
You can have that driver excluded from your policy. All licensed drivers in a household are supposed to be listed on your policy. However some can be excluded and must not drive the car they are excluded from. Often this happens when parents have a fast/expensive car and teen drivers are at home. The teen can be exluded thus keeping the rates lower.
This happens because your parent is in your household and has ACCESS to your vehicle ((s)he does not need to have express permission to drive it because (s)he is a resident relative). Because this person is a resident relative, your company would have to by law cover him or her & also you (as the owner) in the event he used your car & had an accident.
Drivers CANNOT be excluded in NJ, don’t listen to anyone that tells you this.