My father recently died leaving my disabled mother. She cannot drive and does not have a license. She has full time caregivers and we would like to have them drive my mothers car to take her places, shop, etc. This car is owned in full, no loan.
I need insurance to register the car. When I try to get a quote, the insurance companies I have called want to take the caregivers driving record into account. This is inconvenient because:
- Caregivers will come and go. 24/7 coverage means multiple caregivers who we obtain through an agency. So it would be a maintenance headache.
- I really think we should have minimal liability. The agency has liability insurance and they require their caregivers to have auto insurance. If there
is an accident where a caregiver is at fault, her insurance should cover the liability, and perhaps even damage to our car. When would the car owner be liable? Could a umbrella policy be needed.
- The caregivers driving record is already factored into her insurance rates. Why should my rates be affected by this.
When I speak with agents, I don't think they are understanding the issue correctly. What do you fine folks think would be a good way to solve this problem. Surely I cannot be the only one to have this issue.
Thanks,
Xylinx
I need insurance to register the car. When I try to get a quote, the insurance companies I have called want to take the caregivers driving record into account. This is inconvenient because:
- Caregivers will come and go. 24/7 coverage means multiple caregivers who we obtain through an agency. So it would be a maintenance headache.
- I really think we should have minimal liability. The agency has liability insurance and they require their caregivers to have auto insurance. If there
is an accident where a caregiver is at fault, her insurance should cover the liability, and perhaps even damage to our car. When would the car owner be liable? Could a umbrella policy be needed.
- The caregivers driving record is already factored into her insurance rates. Why should my rates be affected by this.
When I speak with agents, I don't think they are understanding the issue correctly. What do you fine folks think would be a good way to solve this problem. Surely I cannot be the only one to have this issue.
Thanks,
Xylinx