Teen Auto Insurance Santa Fe, New Mexico NM

Reader’s Question:

Does my teenage son need to be listed as a driver on my car insurance policy even if he does not live in the same home in Santa Fe, NM as me and he only drives my vehicle maybe two times a year?

Denver

Santa Fe, NM

Insurance carrier’s guidelines differ regarding those that need to be added as drivers or occasional drivers so to know what your insurance company requires in your specific situation ask your car insurance agent.

An occasional driver is the person who is not the principal or primary driver of the car and the definition for principal driver is the individual who drives the vehicle most often.

Generally insurance carriers permit coverage under your personal car insurance policy for an occasional driver provided that motorist does not reside in your household and the car is parked at your dwelling at the end of the day.

If your teen son has moved out and resides on his on, therefore is no longer considered in any way to be a household member, typically then you will not have to add him to the car insurance policy as a driver if he visits a few times a year and drives your car. If however ever comes back to reside with you he would need to be added to the car insurance policy as a driver normally because then he would be a licensed household member.

 

Tags: auto insurance, sr22 car insurance, teen insurance

Auto Insurance SR22 Santa Fe, New Mexico NM

Reader’s Question:

If my auto insurance has been canceled in the past due to non-payment in Santa Fe, New Mexico, do I have to pay the entire car insurance premium up front?

Evans

Santa Fe, NM

You might have to pay your whole car insurance premium up front, instead of financing or making payments along the way, if you have had an insurance lapse of coverage previously in Santa Fe, New Mexico. This will still depend upon your case and the underwriting rules of the insurance provider you are trying to obtain insurance with if you will be required to pay in full for your next car insurance policy.

You may be required by your state to make a payment in full and have your insurance company file a financial requirement certificate or SR22. Most states usually require a six month paid in full if you have let your car insurance to lapse. The Financial Responsibility form is usually referred to as an SR22 certificate in most states.

 

Tags: auto insurance, auto insurance lapse, Car Insurance Company