Can members of the same household have different car insurance?
Yes, members of the same household can have different auto insurance policies with different insurance providers. This might be necessary if drivers have different coverage needs or if there are specific requirements for individual vehicles, such as a classic car.
Can people in the same household have different car insurance policies?
Yes, you can have two separate policies. This can have its benefits in some cases. However, you will still need to be listed on each other's policies as household members/spouses but you can be excluded. Being excluded means you would not be covered under the policy at all.
Can a husband and wife have different car insurance policies?
Most married couples save money when they combine their coverage into one policy and get a single auto insurance rate. But occasionally separate car insurance for married couples makes more sense. A bad driving record, poor credit or an expensive sports car are common reasons couples choose to keep separate policies.
Can you be on 2 different insurance policies?
Yes, it is possible for someone to have secondary health insurance and perfectly legal, but it is also important to fully understand how primary vs secondary insurance operates.
Can two people share the same insurance?
Most insurers will also allow you to share a single car insurance policy with someone if you live with them.
How does family plan car insurance work?
As long as you have two or more drivers on the same policy, you can buy family coverage. In a family car insurance policy, each driver is typically assigned to the vehicle they drive most often.
Why do insurance companies ask if you have other insurance?
Health insurance companies often ask if you have other insurance because it helps them determine which insurance plan is the primary payer of your medical expenses. When you have multiple insurance policies, one policy is designated as the primary insurance, and the other policy is designated as secondary insurance.
Can I be on my own insurance and my husbands?
Dual coverage: you and your spouse on both plans. In this option, each spouse signs up for coverage for themselves through their own employer and signs up for coverage for their spouse (and children if they have them). So every member of the family has coverage from two plans.
Can boyfriend and girlfriend be on same car insurance?
Most insurers allow you to add a significant other, such as a boyfriend, girlfriend, fiancé, or domestic partner, to your car insurance policy if you live together. Depending on the insurer, a significant other can also add their vehicle to a joint policy if both cars are kept at the same permanent residence.
Why does my spouse have to be on my auto insurance?
Your spouse must be listed on your insurance policy regardless of driving status. Since insurance is all about properly rating risk, companies will require that your spouse be listed on your policy to know who they are and are not covering.
Which insurance is primary when you have two?
Usually, your employer's plan is primary. If you also are covered by your spouse's plan, that plan is usually secondary. There are other rules for many other situations. A special case may come up if you have both medical and dental insurance, and you have a procedure such as oral surgery.
Which insurance is primary spouse or parent?
As outlined above, an individual's employer-sponsored plan will always be primary. Even if a spouse or parent's plan has better coverage or maybe a lower deductible, you can't submit claims to them first.
Can I have my own insurance and be on my parents at the same time?
Yes, you can have your own health insurance plan while staying on your parents' policy. This is called having dual coverage.
Do you and your spouse have to have the same car insurance?
Yes, married couples even have the option to maintain separate car insurance policies. However, it's important to consider the potential drawbacks. Higher Premiums: Separate policies can sometimes lead to higher premiums, as you might miss out on the multi-car discount.
Can someone not on your insurance drive your car Progressive?
What happens when you let someone else drive your car? If you allow someone else to borrow your car, it's still covered by your insurance policy. Insurers call this "permissive use." This is true even when the driver carries their own insurance.
Can I insure a car that is not in my name progressive?
Can I insure a car that's not in my name? In most states, the answer is yes. However, the vehicle must be parked regularly at your residence overnight for Progressive to insure it on your policy.
Is it better to go on your parents car insurance or get your own?
For one thing, you might wonder if it is cheaper to get your own auto insurance policy, but the truth is, it's most likely not. Unless you are over the age of 25 and have a perfect driving record, it will be cheaper for you to just stay on your parents' policy. Your rate is based entirely on risk.
Is it cheaper to be on family car insurance?
Yes, in most cases, it's cheaper to have a family car insurance plan as compared to separate policies. Teens with their own policies tend to pay considerably more than if they're on a parent's policy.
Who are considered family members on the personal auto policy?
A person related to the named insured by blood, marriage, or adoption who is a resident of the named insured's household. A family member includes a ward or foster child.
Why does car insurance need to know who you live with?
Many insurers, including Progressive, require you to add a spouse to your car insurance policy if you're both living in the same household (unless your state gives you the option to exclude your spouse). Adding your spouse to your policy ensures that you're both covered in the event of an accident.
How do you determine which insurance is primary?
The insurance that pays first is called the primary payer. The primary payer pays up to the limits of its coverage. The insurance that pays second is called the secondary payer. The secondary payer only pays if there are costs the primary insurer didn't cover.
Do my parents have to add me to their car insurance?
Generally speaking, insurers will ask you to list all household members when applying for a car insurance policy. Young children (typically under the age of 14) should be exempt, but the other individuals in your household should be disclosed, including: Spouse. Significant other.
Can my boyfriend put me on his insurance if we aren t married?
Most insurance companies allow unmarried couples to combine coverage—and thereby get discounts and other valuable benefits. But again, not all insurance agents or companies will offer these benefits to an unmarried couple.
How can I avoid spousal surcharge?
An employee can avoid the spousal surcharge if their eligible spouse enrolls in their own insurance plan with their own employer rather than on their spouse's plan. Is a spousal surcharge mandatory or optional for employees? The spousal surcharge is an optional policy that an employer can choose to elect.
What is a spousal surcharge?
A spousal surcharge is an additional fee or premium that an employee is required to pay if his or her spouse has an alternative source for healthcare coverage through their own employer, yet elects to be added to the employee's plan. A spousal surcharge applies only if the spouse has other health insurance options.
