We were told by our auto insurance we had to add my stepson to our auto policy because we were letting him drive one of our vehicles. He does not live with us and was on his mother’s policy to begin with. Due to some horrible family issues, he is not allowed to drive the vehicle anymore and is not speaking to me and my husband. When I called to have him removed because we didn’t want to be liable for him on our policy, we were told we need to provide proof he’s on someone else’s policy. His mother would rather set us on fire than do a single thing for us and has made it clear she is not giving us anything. How do I get him off our policy??? We are located in NC and from what I can tell NC doesn’t allow us to exclude him
Removing Teen Off Auto Insurance
byu/Powerful-County-1902 inInsurance
Posted by Powerful-County-1902
5 Comments
No one wants to be liable for a young driver, but that’s how it is when you are a parent.
I don’t know that a company would remove a youthful operator that had vehicle access without proof of other Insurance.
Your option would be to surrender his drivers license because NC doesn’t have exclusions. Insurance companies are on the hook for young drivers all the time not listed on the policy due to the policy contract language. They’re starting to get strict about it but in all seriousness, someone needs to insure him if he has an active drivers license
Your husband and his mother need to act like adults and be civil with one another in order to resolve this. You have a personal issue, not an insurance one. Their requirements are completely standard in this situation.
You don’t get him off of your policy. He may indeed not be “allowed” to drive, but he certainly could.
(1) Someone signed for the son to drive. If your husband signed then he can contact DMV, notify them he is withdrawing consent for the minor to have a license and DMV should recover the license. The it will be on your husband’s ex to grant consent for him to hold a license.
(2) Have the cars rekeyed so that old keys the son may have duplicates of cannot be used to operate the cars. Keep receipts for submission to your insurer as proof.
(3) Unfortunately, as long as he is living in your home or has access to the home, I suspect your insurer will require he be listed on the policy as he potentially can snitch a key while you are preoccupied.
(4) I strongly urge you to sit down with an attorney and discuss the risks of your husband continuing to remain the signatory for the son holding a license, the husbands liability for actions by the son if the ex-wife signs for him to hold a license, and the risks if neither parent agrees to sign for him to hold a license. Parent are typically liable for damages incurred by their children, so it may rise to the point where your husband wants to pursue asking the court to declare the son to be an emancipated minor.