Want Me to Insure Tenant
- Thread starter Hibbits
- Start date
- 1,016
there are two types of drivers who are required to be on your policy:
1. anyone living in your home that is of driving age.
2. anyone else who drives your car or has access to it on a frequent basis.
Loaning your vehicle out on rare occasions are one thing. But loaning it out regularly is another.
It's actually pretty common for a company to do this. Especially in your case since said driver caused an accident.
1. anyone living in your home that is of driving age.
2. anyone else who drives your car or has access to it on a frequent basis.
Loaning your vehicle out on rare occasions are one thing. But loaning it out regularly is another.
It's actually pretty common for a company to do this. Especially in your case since said driver caused an accident.
- Thread starter
- #3
Ok that leads to another set of questions, he only used it that one time and I have other tenants am I required to include them also?
- 11,997
When you say "tenant", are you talking about roomates or folks living in a different unit altogether?
If they're roommates, you may need to demonstrate that they have their own insurance and are only occasionally using the vehicle.
Personally, I wouldn't loan my tenants any vehicle or anything of any value, but you apparently trust them more
Often times in a situation like this the person that caused the accident actually had regular and frequent use of the vehicle and appropriately belong on the policy.
If they're roommates, you may need to demonstrate that they have their own insurance and are only occasionally using the vehicle.
Personally, I wouldn't loan my tenants any vehicle or anything of any value, but you apparently trust them more
Often times in a situation like this the person that caused the accident actually had regular and frequent use of the vehicle and appropriately belong on the policy.
- Thread starter
- #5
I don't think they will want you to list people living on a different legal property. I've seen this occasionally happen. They probably want to remove all doubt about whether this person operates your vehicle frequently or not since he already got into a serious accident. In these cases though, I've seen the accident follow the policy holder on the current policy. If that's the case you may be forced to shop your insurance if your rates go up for it. The accident isn't supposed to follow you across companies.
- Thread starter
- #7
- 1,016
It's only confusing because measures like this were put in place to stop people from cheating the system (Example: people trying to hide their high school aged kids from being on their policy).
In your case, if this was the only time you loaned your vehicle, they shouldn't force you to add this person to your policy. I think what's happening here is that even though it's a separate unit, it is still on your property. And because of that, they may be seeing the same address and assuming he lives with you.
An easy solution would be if your tenant has his own auto insurance (but that's probably not the case here, or he wouldn't be bumming your car). I would call and make sure they understand that he does not live with you, and that this was the only time he drove your vehicle.
If that doesn't satisfy them, tell them to go pound sand, and shop around for another company.
This accident won't show up on your MVR, but will most likely show up on your CLUE report. Every company runs MVR, most companies run CLUE. But not all.
Find a company that does not run CLUE and this accident won't affect your rates.
In your case, if this was the only time you loaned your vehicle, they shouldn't force you to add this person to your policy. I think what's happening here is that even though it's a separate unit, it is still on your property. And because of that, they may be seeing the same address and assuming he lives with you.
An easy solution would be if your tenant has his own auto insurance (but that's probably not the case here, or he wouldn't be bumming your car). I would call and make sure they understand that he does not live with you, and that this was the only time he drove your vehicle.
If that doesn't satisfy them, tell them to go pound sand, and shop around for another company.
This accident won't show up on your MVR, but will most likely show up on your CLUE report. Every company runs MVR, most companies run CLUE. But not all.
Find a company that does not run CLUE and this accident won't affect your rates.
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Typically in Florida, CLUE is run with most companies I have dealt with. The ones that do won't count it if they can see that the operator isn't you. They occasionally ask for proof that can be obtained from the insurance carrier you were with at the time of the accident. Usually, we'll get a Letter of Experience or the adjuster will type up a letter stating what happened and that you weren't the operator.
You have to add the other tenant as well into your insurance policy, if the tenant drives your vehicle.
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