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There no such thing as "full coverage". Each item of coverage you buy is piecemeal. And whatever coverage you do buy is subject to the language of the policy. The language can differ from one company to another so you can't always make direct comparison either.Insurance declined coverage because a driver was not listed on the policy even though the car has full coverage, and other than the door damage, both of the passenger side airbags popped, I don't know if there is any orher damage based on the exterior. So I was just looking for an estimate on the price of repairing the door before I tow it to the Tesla repair facility.
That is pretty ridiculous. That person needs to get their own car or a different car. Or find another carrier that isn't so pricey for said driver.Im not going to argue against the insurance company's decision, but if the premium changes from $400/month to $2200/month just for adding one driver on the policy I would rather not add the driver. That just seems ridiculous to me.
What?? I don't know if Wisconsin is different somehow, but the "standard" auto insurance policy covers "anyone using the vehicle with the policyholder's permission" if that use was within the course and scope of such permission. That's called "Permissive Use" in insurance lingo. It doesn't require that the person be named on the policy.Insurance declined coverage because a driver was not listed on the policy even though the car has full coverage, and other than the door damage, both of the passenger side airbags popped, I don't know if there is any orher damage based on the exterior. So I was just looking for an estimate on the price of repairing the door before I tow it to the Tesla repair facility.
Permissive use is not universal. Some policies, coupled with strict underwriting practices, do not simply allow anyone to drive. This is more likely the case with substandard policies (high risk) where their policyholders are more likely not to disclose a driver. However, I've also seen policies with drop down limits that bring the liability limits to the state minimum with permissive use drivers that aren't named on the policy. Both are used to provide more competitive premiums.What?? I don't know if Wisconsin is different somehow, but the "standard" auto insurance policy covers "anyone using the vehicle with the policyholder's permission" if that use was within the course and scope of such permission. That's called "Permissive Use" in insurance lingo. It doesn't require that the person be named on the policy.
I've never seen a policy that would would not cover a different destination than stated specifically. The verbiage for something like that would be a nightmare. Generally speaking non-permissive use tends to follow the definition of theft.So, if your neighbor borrowed your car it would be covered. But if he drove it without your permission, or told you he was going to the store and instead went to a beer joint across town, it wouldn't be covered, and he would be liable for damage. Are you being scammed?
I think it makes a difference if the person driving the car is someone who resides with the owner of the car, typically a child, and they don't have their own insurance.What?? I don't know if Wisconsin is different somehow, but the "standard" auto insurance policy covers "anyone using the vehicle with the policyholder's permission" if that use was within the course and scope of such permission. That's called "Permissive Use" in insurance lingo. It doesn't require that the person be named on the policy.
So, if your neighbor borrowed your car it would be covered. But if he drove it without your permission, or told you he was going to the store and instead went to a beer joint across town, it wouldn't be covered, and he would be liable for damage. Are you being scammed?