insurance repercussions if father in law gets in an accident?

N

nvidia

Well-known member
long story short. My father in law moved in with us (he's broke). My wife is letting him drive her car all the time. What are the repercussions if he gets in an accident with my wife's car. I want to call the insurance company to find out directly, but i'm too scared that they will jack up the rates. Should I call the insurance company and tell them that he lives with us and that he uses the car frequently? Would they double the insurance rates because of him?? Personally, I want him to take the damn bus better yet live on his own...sigh....

thanks,
 
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depending on his record it may not have any effect on your insurance (clean record), if its a messy record then it could cause some issues, but then you can put him on as a secondary / occasional driver..
 
If your father in law is living at the address where the car is registered he is not an occasional driver and must be named on the policy.
Sooooooo
If he gets into a collision he will have no insurance and you will be on the hook.
Either register him or keep him away from the wifes car.
... OH... and if he has a motorcycle license, it will affect you motorcycle policy too.
 
If he gets into an accident and there is a claim that stays on YOUR record.
 
jeffjones said:
If he gets into an accident and there is a claim that stays on YOUR record.
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+1

The entire household will get affected by this if he crashes as the policy is under you and your wife's name I believe? Either get him insured or tell him to **** off.
 
As the previous poster alluded to, your rates will be matrixed with his and readjusted accordingly. If he has a good record, your rate might even go down (assuming he's got a better record that you and the missus).

If he gets a ticket (while you are insured), that would go against his license and not effect your license or your premium as they would only run your license when it comes time for renewal.

If he gets a ticket before you put him on the policy that would be factored into the aforementioned rating matrix.

If he gets into an accident, his license will get the ticket but your insurance will pick up the tab if he's at fault and you will have an at-fault conviction on your record and the associated fee-hike.

If you want to avoid this situation all together, sign an OPCF 28a (excluding him from driving the vehicles) and under no circumstances give him the keys.
OPCF 28a is a driver exclusion form saying that under no circumstances will the individual listed on the form drive your vehicles. as such, their ratings won't be factored into yours.
 
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All licensed drivers living in the household need to be declared on the policy, so it is your responsibility to inform the insurance company.

If he has a clean record, he can be added as on occasional driver to any of the vehicles and most companies do not charge for an occasional if they are over 25 years of age.

If his driving record does not meet the insurance companies acceptability standards i.e. 2 tickets + an at-fault (for most regular market companies) then the company may require you to sign an OPCF 28A to exclude him as a driver on any of the vehicles.

If he has an accident in one of your vehicles it will stay on your record for 6 years and you will loose the no claims discount you may be enjoying if both you and your wife have been claim free for 6 or more years.

Failure to declare him as a licensed driver living in your household may give the company grounds to Cancel your policy on the grounds of NON Disclosure making it very difficult to get insurance in the regular market for a number of years. Or worse yet if he is in a major accident they may try and get out of their liability saying your policy is null and void on the grounds of non disclosure leaving you to foot the legal and liability issues on your own.

Best to call them with his drivers license number and let them do the needful.
 
油井緋色;1975039 said:
+1

The entire household will get affected by this if he crashes as the policy is under you and your wife's name I believe? Either get him insured or tell him to **** off.
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Too bad its easier said than done - telling your father in law to **** off lol
 
Insurance is tied to vehicle. If he gets in accident the other party goes after liability insurance on wife's policy. However if you haven't specified there is another licensed driver in house then that is grounds for denial of any insurance payouts/benefits.

I've loaned a car to a friend who wrote it off. It's my million dollar liability policy that the other party is going after.
 
depending on the insurance company, you'll either have to pay the "unpaid" premiums since he's been at the address/driving the vehicle or you have to pay everything associated with the accident out of your pocket

also your comprehensive, "theft" coverage doesn't count if a family/resident licensed at the same address takes the vehicle

if his driver's license address is different (old house), it's a huge grey area... because him not updating his information on driver's license is a criminal code offense... but in terms of insurance liability, your company will pay and possibly make him write an exclusion form
 
And if your father in law wipes out 10 people in a bus shelter and they sue you for $10 Million your wife's liability policy will pay out her limits (probably $1 Million) and yuor wife will be on the hook for the other
$9 Million.

Should make for some fun dinner time conversation.

Bottom line, he's living off you for free, you're not under any obligation to provide him a car too.
 
Platinum Cycle said:
And if your father in law wipes out 10 people in a bus shelter and they sue you for $10 Million your wife's liability policy will pay out her limits (probably $1 Million) and yuor wife will be on the hook for the other
$9 Million.

Should make for some fun dinner time conversation.

Bottom line, he's living off you for free, you're not under any obligation to provide him a car too.
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Thats just silly..its farmers markets that old people drive into not bus stops
 
Here's something interesting I was told by a broker:

"If your partner has insurance elsewhere they do not need to be included, if they are a licensed driver living in the same household without insurance, they should be listed on your policy"

I thought I would have to include my GF and her whole family, but that's not the case.
 
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