Reader’s Question:

If I am under my parent’s car insurance policy in Alabama, is it possible that I can be a private driver on the insurance policy so if I will get a ticket or accident it would not affect their car insurance rate?

Harry

Mobile, AL

If you are going to be added on your parent’s car insurance policy in Mobile, Alabama as a driver then your driving history will be a rating factor and therefore could affect the car insurance rates.

As a listed driver and licensed household member on the auto insurance policy the insurance carrier will want to check your MVR. Any traffic tickets you are convicted of and accidents you may be involved in will be put on your driving history which the insurance provider would see as part of your Motor Vehicle Record.

Depending upon the insurance carrier’s rating system the accidents or tickets could affect your parent’s auto insurance rates. There is not a way to be on the insurance policy but not have your driving history used as part of the rating process since you are a driver of the vehicles listed on the insurance policy.

If the insurance policy is written under two names and one of them dies, will the insurance rate will be cheaper? This is in Las Vegas, Nevada.

Romeo

Las Vegas, NV

If there are individuals on an insurance policy and one of them is taken off of the policy (for some reasons) in Las Vegas, then the insurance rate can be affected.

It is possible that it will be cheaper and it depends upon the rating system and if the insurance policy rates were higher at all because of the second adult motorist being on the policy.

To know how your specific insurance carriers rating system works and how your insurance rates would be affected in this type of situation you may contact your insurance broker since insurance rating system and guidelines vary.

The only rating factor difference that some insurance companies may see for is a widow versus single, typically though a widow rating variable would cost less than a single rating variable.