Insurance charging for daughter living in my house even though she has own Insurance.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 12, 2012

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Insurance Question from Dothan, AL

Asked on 04/12/2012

Insurance charging for daughter living in my house even though she has own Insurance. About a year ago I dropped my daughter from my insurance because she kept moving out then back in etc... Well now she is back in but has her own car insurance. My insurance comp kept sending my letters about my daughter until I finally called them. I told them my daughter was back home but she has her own insurance. Now they want to charge me $43. to put her on my policy unrated just for being in the house. I think this is foul and can they do this?? im trying to watch my pennies and they are taking them away!! Please advise

Answer given on April 14, 2012

Insurance companies expect to collect premiums for the exposure in the household. While most of them will accept evidence of insurance for the driver in the household has their own insurance, there are companies which do make a charge for such drivers.You can ask your company if you can exclude your daughter as a driver on your cars. Of course, you need to be sure she will not be using your cars. If she does, and she is excluded, there will be no insurance coverage if she is involved in an accident. This is a big step, but it could save you the premium being charged. If you choose not to do this, you may have to accept the additional charge or see if there is another insurance company willing to accept your insurance and not charge for your daughter. Maybe you can get your daughter to pay all or part of this charge.

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