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Auto Insurance Claims/Insurance rate change

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Expert: - 12/8/2010


Question
We have a separate policy with a seperate company (from my wifes and mine) for my daughters car. I am listed as the primary insured and my wife and daughter are listed as
additional insureds. My daughter backed into someone and it looks like we will have to file a claim. Will this claim affect my rates at some point or will it just be charged against my daughter? We have moved to put the daughter on her own policy completly but that does not change what has happened.

Thanks ,
Tom

Answer
Hi Tom,

If your daughter is also listed as a driver on your and your wife's policy, then your daughter's driving record and claims history will affect your policy. If she is no on your policy at all, then she will not affect your policy.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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