Texas non owner sr22

Reader’s Question:

My insurance carrier will not cover my son in the policy. Can I get a non owners instead?

Bill

Thank you for asking Bill.

It doesn’t look like a non-owners policy would be of much help to your son. A non-owners insurance policy would only cover any liability that is incurred by the insured. If a driver is excluded on a policy then he should not operate any motor vehicle in the household, even with a non-owners policy.

According to the Texas Department of Insurance, you can sometimes remove a teen-aged driver or adult child living at home from your insurance policy by acquiring a non-owner policy, however this is not a good idea. A non-owner policy only provides additional liability insurance when operating a non-owned vehicle.

It is also noted that if your child got involved in an accident while driving your car, neither your policy nor the non-owner policy will pay for the damages. This is because the child is excluded from your insurance policy and his non-owners is only for providing additional (excess) liability, if the primary insurance is not paying on the damages caused by the accident then the non-owners would not typically pay either.

I would suggest that you find a company that will cover the 21 year old on the policy with you and at the same time provide cheap insurance policy for you. You may start shopping for cheap insurance policy in the net by checking individual websites that will provide a policy including your son.

Goodluck!

MariCAR