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About James R. Berliner, CPCU
Expertise
My specialty is personal and busines insurance, relating to the property and casualty field. Homeowners, Auto, Business Auto, Workers Compensation, Business Interruption, Crime, Directors & Officers Liability, Employment Practices Liability, Professional Liability, General Liability, Umbrella Liability, etc.

Experience
I am the owner of my own agency (established 1970), have obtained my CPCU designation, and am licensed in many states.

Organizations
IIABA (Independent Insurance Agents and Brokers of America), CPCU Society, PIACT (Professional Insurance Agents of Connecticut - Board of Directors)

You are here: Experts > Money > Personal Insurance > Property & Casualty Insurance > Is it possible to remove daughter from policy?

Property & Casualty Insurance - Is it possible to remove daughter from policy?

Expert: James R. Berliner, CPCU - 11/3/2009

Question
Last year my daughter went through Driver's Ed in high school and got a learners permit. We have been working with her driving to prepare her for her operator's license. I added her to my insurance policy as a precaution in case anything happened while she was driving our cars with us, but because she has a permit not an operator's our rates did not increase. One of the stipulations of the learner's permit is that in order to be valid a parent or guardian with a valid operator's must be in the car. Not sure what came over her, but she went out with some friends and decided she was going to drive her friend's car and she got pulled over for speeding. She got some tickets, and quite frankly since I was not aware of what she was doing I want her off my policy. She will never again drive one of my vehicles, even if it is for learning. We know her license will be suspended or revoked. I am being told by the insurance company that if the ticket shows up our insurance will jump to over $600 a month, (hubby and I have never had tickets or accidents, our premium right now is only $95 a month for full coverage) which will mean I will not be able to afford to have a car anymore, we would have to sell or have our vehicles voluntarily reposessed. I have tried to just have her removed from the policy, but I am told that it cannot be legally done. Since she is underaged, I feel like I should be able to remove her at my discretion. I am upset that I have to pay for her mistake for the rest of my life. Any advice?

Answer
Hi Eve,

I taught three of my kids to drive. Fun, isn't it?

Two thoughts. If your daughter is not yet licensed, call your agent and tell him/her that your daughter is not yet licensed and you would like her off your policy. Advise your agent that you will call back and add her to the policy when she obtains her license.

If she already has her license, many carriers will NOT exclude a resident relative from your policy. But some carriers WILL! Shop around. I believe Progressive will exclude a driver by name and not rate them on your policy. Be aggressive,and call several agents. Different carriers operate in different states, but I suspect Progressive is in all 50 sates...

James Berliner

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