Removing a Driver From My Idaho Auto Insurance Policy
Reader’s Question:
I would like to know if I can remove my daughter from my car insurance in Meridian, ID, who is 22 years old and still lives with me. If she turns in her drivers license is that proof to the insurance company that she is no longer driving my car?
Amanda
Meridian, ID
While insurance carrier’s guidelines may vary if you can prove that a driver on your car insurance policy has turned in her drivers license voluntarily then you should be able to remove her from your car insurance policy in Meridian, ID generally.
To check what your insurance carrier requires of you in order to take your daughter off of your car insurance policy, speak with your car insurance agent. To see if your state has any auto insurance laws regarding this type of situation you may contact your state’s insurance regulatory body.
Driving Without Insurance Idaho – Will I Go To Jail?
Reader’s Question:
My 15 years old son who does not have a license yet, without my permission took my vehicle, drove it and got involved in an accident with another vehicle due improper left turn. No injuries on both cars but both vehicles have damages. The other vehicle is insured, my car is not. This occurred in Boise, Idaho. My question is , what legal consequences he might have or what should we be expecting from all this?
Jerry
Boise, ID
If the household member that took the vehicle is found to be at-fault in a crash there is the possibility that you could be held responsible since you are the owner of the car. The driver is liable as well and the other party will go after for the damages and may file it with their insurance provider.
As for your son’s case; the state maintains driving histories even for those without a drivers license, and requires all motorists under seventeen to comply with the requirements of the Graduated Driver Licensing (GDL) Program before they can get a drivers license.
If there was a police report filed, then he could have a lot of violations filed against him including driving without owner’s permission and driving without a license. These infractions could affect his eligibility to obtain his license, and as well as his insurance rates in Boise Idaho once he gets his license.
Will a Speeding Ticket Cause My Car Insurance in Idaho To Increase?
Reader’s Question:
I received a speeding ticket in Nampa Idaho. I have Drivers License in Idaho. How will this affect my insurance rate premium? Will my insurance increase because of this ticket?
George
Nampa, ID
A speeding ticket in Nampa, ID usually comes with 3 to 4 DMV points put on your driving record as well as the speeding infraction itself being put on your driving record. This will depend upon the rating system of your Idaho insurance company whether this speeding ticket for 10 mph over the limit will affect your car insurance rates or not when your insurance company next pulls your motor vehicle record (MVR).
If this is your first traffic offense on your driving record then some insurance providers may take away a safe driver discount if you have one but not raise your car insurance rates. With other insurers their rating system may call for an increase in your car insurance rate if you are convicted of even just one speeding ticket.
According to the ID Department of Insurance most insurance providers apply a surcharge to motorists who have been involved in an accident or convicted of multiple moving infractions. additionally, the more claims you have made, the higher your auto insurance rates are likely to be.
