Hello,
I have been told that my auto policy and associated umbrella policy are not going to be renewed due to too many claims on my insurance. My policy covers myself, my wife and my 2 children (One 22 and other 18).
My 22 year old has been diagnosed with epilepsy however it is considered under control because she has been seizure free for the last 6 months per the state of Georgia and is on anti-seizure medicine. She has not driven for a year and 1/2 but I continued to pay the auto policy premiums as though she was. Neither the DMV or current insurance policy know about this medical condition.
My Insurance broker has prepared an insurance quote from another Insurance Company based on my current coverage. (She has not been told about my daughter's epilepsy)
My main concern obviously is for my 22 year olds safety as well as the safety of others. I have been diligent in following the rules of Georgia by not allowing her to drive during the minimum 6 month seizure free period and will probably wait until 10 or 12 months seizure free before allowing her to drive again.
My son is 18 and is in college.
My questions are as follows:
1. Do I have to disclose that my 22 year old daughter has been diagnosed with epilepsy or will there be questions when applying for new coverage that will have to be answered related to that? The Dr my daughter is seeing just states that the GA law is 6 months seizure free and he has no responsibility to report to the DMV. (We will be waiting for 10 to 12 months just to be on the safe side).
2. If I want to limit my liability, can I get her a separate policy under her name? Should I put the one car in her name? She will not be a dependent on my taxes this year because she is older than 19 and not in school but she does live with us. (I have been told that she cannot have her own policy if she lives with us) Is that true?.
3. Umbrella policy - May want to increase from $1 million to $2 million if I have to keep her under my family insurance.
My secondary concern is my liability and my disclosure requirements. If I request insurance quotes from a new company will I have to voluntarily disclose this? Or will there be a question as part of the application process to address this issue? If it is a question in the application process then yes I would have to disclose this medical condition. But if not specifically asked, do I still need to voluntarily disclose this to ensure that I am covered in the event of a serious accident?
I have been told that Georgia is a nondisclosure state meaning I do not have to disclose this medical condition unless it is specifically asked for in the application process. I want to comply with the law on what I have to disclose but do not want to disclose if I do not have to in fear of not being able to get insurance or get it at really high rates. If something did happen, god forbid, I do not want the insurance company to deny all claims that may result from any accident due to nondisclosure.
These are some difficult questions and I would appreciate any advice on how to handle a situation like this as I am sure these types of situations are encountered frequently in the auto insurance areas.
Thanks In Advance
I have been told that my auto policy and associated umbrella policy are not going to be renewed due to too many claims on my insurance. My policy covers myself, my wife and my 2 children (One 22 and other 18).
My 22 year old has been diagnosed with epilepsy however it is considered under control because she has been seizure free for the last 6 months per the state of Georgia and is on anti-seizure medicine. She has not driven for a year and 1/2 but I continued to pay the auto policy premiums as though she was. Neither the DMV or current insurance policy know about this medical condition.
My Insurance broker has prepared an insurance quote from another Insurance Company based on my current coverage. (She has not been told about my daughter's epilepsy)
My main concern obviously is for my 22 year olds safety as well as the safety of others. I have been diligent in following the rules of Georgia by not allowing her to drive during the minimum 6 month seizure free period and will probably wait until 10 or 12 months seizure free before allowing her to drive again.
My son is 18 and is in college.
My questions are as follows:
1. Do I have to disclose that my 22 year old daughter has been diagnosed with epilepsy or will there be questions when applying for new coverage that will have to be answered related to that? The Dr my daughter is seeing just states that the GA law is 6 months seizure free and he has no responsibility to report to the DMV. (We will be waiting for 10 to 12 months just to be on the safe side).
2. If I want to limit my liability, can I get her a separate policy under her name? Should I put the one car in her name? She will not be a dependent on my taxes this year because she is older than 19 and not in school but she does live with us. (I have been told that she cannot have her own policy if she lives with us) Is that true?.
3. Umbrella policy - May want to increase from $1 million to $2 million if I have to keep her under my family insurance.
My secondary concern is my liability and my disclosure requirements. If I request insurance quotes from a new company will I have to voluntarily disclose this? Or will there be a question as part of the application process to address this issue? If it is a question in the application process then yes I would have to disclose this medical condition. But if not specifically asked, do I still need to voluntarily disclose this to ensure that I am covered in the event of a serious accident?
I have been told that Georgia is a nondisclosure state meaning I do not have to disclose this medical condition unless it is specifically asked for in the application process. I want to comply with the law on what I have to disclose but do not want to disclose if I do not have to in fear of not being able to get insurance or get it at really high rates. If something did happen, god forbid, I do not want the insurance company to deny all claims that may result from any accident due to nondisclosure.
These are some difficult questions and I would appreciate any advice on how to handle a situation like this as I am sure these types of situations are encountered frequently in the auto insurance areas.
Thanks In Advance