Do I have to add my husband to my auto policy if he has his own insurance?
I (Wife) need to get insurance on my truck. My husband already has insurance on his truck in his name (Commercial insurance), do I have to add him to my policy? I am asking because he has had 1 ticket, and it is making my insurance sky high, and if I don't have to claim him, my premium is much lower.
Yes. That commercial insurance policy does NOT cover him, the way a personal auto insurance policy would – he has NO personal coverage, under that commercial policy.
So you need to add him. If you don't add him, then you have to EXCLUDE him from your policy – meaning, he has no coverage, and neither do you, if he drives your car. And HE has no coverage, AT ALL, if he's driving a borrowed vehicle, or rents a car, etc.
no, you can exclude him as driver. with some companies you will need to show that he has coverage elsewhere.but if you exclude he can NEVER EVER drive your vehicle.
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you dont have to claim him but he will not be covered driving your truck
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most insurance companies require all licensed driver in a house hold to be listed as potential drivers. Your company may allow you to sign an affidavit saying he will not drive your car. he will not be covered if he does drive it though.
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You need to list all house hold family members living at your house. Now depending on what state you live in, you could have the option to exclude that family member from driving your vehicle. What this will do is if your husband ever drives your vehicle all claims would be DENIED. Now this is on personal policy. He would not have to list you on his commercial policy if you are not employee my his company.
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Progressive Insurance
Yes. That commercial insurance policy does NOT cover him, the way a personal auto insurance policy would – he has NO personal coverage, under that commercial policy.
So you need to add him. If you don't add him, then you have to EXCLUDE him from your policy – meaning, he has no coverage, and neither do you, if he drives your car. And HE has no coverage, AT ALL, if he's driving a borrowed vehicle, or rents a car, etc.
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