QUESTION
Can we take our son off our insurance to keep our policy?
Asked on Dec 14th, 2015 on DUI/DWI - Michigan
More details to this question:
My son received a DUI and was on our policy. The Insurance company has sent us a letter saying they are dropping us. Can we take him off our insurance and keep our policy or do we have to have him on our insurance while he is living in our house? Are there any laws that say the insurance company can't drop us if we were to sign something that states we will not allow him to drive our cars?
2 ANSWERS
Insurance Defense Attorney serving Jackson, MI
at
Dungan, Lady & Dunga, PLLC
Update Your Profile
There is no reason to be loyal to any particular insurance company, they are all bad. Use this as an opportunity to shop around. No, your son does not have to be on your policy. And yes, you can name your son as an excluded driver on your policy so his age and conviction will not be used against you, but if you that, he CANNOT drive the car, EVER, if he does, and causes damage or hurts himself or someone else, you will NOT be covered by insurance.
Answered on Dec 28th, 2015 at 6:30 PM
Appellate Attorney serving Grosse Pointe Farms, MI
at
Musilli Brennan Associates, PLLC
Update Your Profile
These questions are for you insurance company. Commonly a driver can be excluded from coverage.
Answered on Dec 28th, 2015 at 6:26 PM