Auto Insurance Quotes Online Elizabeth New Jersey NJ
Reader’s Question:
I’m married and have a 14-year-old son. I have this nagging question. Why am I obliged to add my boy to my auto insurance policy if he never drives my car in Elizabeth New Jersey NJ?
Manfred
Elizabeth, NJ
Almost all auto insurance policies that dads buy in Elizabeth New Jersey NJ are family policies in the sense that household members are covered to drive their cars, regardless of whether they are listed as drivers or not. For this reason, you are required — obliged, if you may — to add your son to your auto insurance policy.
Whether the members of your household drive or not, your auto insurance carrier is bound by law to pay for any liability arising from the occurrence of covered risk, so you can be sure you’ll be asked to pay premium for their inclusion.
Auto insurance companies in Elizabeth New Jersey NJ are wary that too many unexpected things happen in any household. For example, your 14-year-old could one day shock you by experimenting backing your car in the garage without your permission; he loses control and transforms the back of your vehicle into a tuneless accordion. The consequence of not adding him into your policy could be unpleasant. Your auto insurance carrier will find reason to deny coverage of your car by saying you committed material misrepresentation, and you won’t get paid for the damage.
You can save on auto insurance premium cost by getting comparative price information online. To do this, simply enter your zip code on the form found on this page.
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