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jeaniecz

Car insurance in VA

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Hi guys, 

 

I have a couple of questions regarding the car insurance. 

My fiancee (US Citizen) owns a car and of course, car insurance. It seems that since I will move in with her, she'll need to add me to her insurance, because the insurance company assumes (!) that any adult living on the same house address has access to her car and therefore drives it. Does anybody have experience with this? 

 

I heard a newly-insured driver pays hundreds of USD monthly on car insurance....I obviously want to avoind paying such ridiculous amounts of money, especially while I wait for my Green Card and cannot work! I have owned a European driving license since 2009 and dare to say I am an experienced driver, never been involved in a car accident. Is my driving history something a US car insurance company would consider, or they just don't care?


"Life is a journey." At this moment, it's taking me to the USA to the woman I love.

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1. Insurance often depends on the insurance company and jurisdiction (state), but generally spouses (not fiances) are covered, as long as they have a valid license. You probably will not be added under fiance's policy. If the fiance has comprehensive insurance, you will be covered as long as you have permission to use the vehicle and have a valid drivers license. If your fiance has liability only, you are probably not covered. Again, it depends on jurisdiction and the insurance companies.

 

2. Insurance is relatively inexpensive and not hundreds of dollars per month. For instance, I pay about $750 per year for total coverage on a $30,000 car being financed since buying new in 2017. In some states, I'd pay more and some I might pay less. I have a clean record and no accidents in which I was at fault.

 

2. In general, liability insurance follows the driver and comprehensive/collision follows the car.

 

3. You need a valid drivers license. Don't drive your fiance's vehicles without one.

 

4. American insurance companies don't care about your foreign driving record.

 

 

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Insurance follows the car and not the driver. If she is adding you as a covered driver and giving you permission to drive it then you will be covered. However if you have your own vehicle you would not be covered without purchasing your own insurance. If you cause an accident the insurance holder will be liable if you also do not have insurance that has coverage.

 

For instance me and my husband were struck while driving my father's vehicle, which he had permission to drive and is covered as a driver in the household. The person that struck us did not have any insurance and was driving his family member's vehicle which he was not listed as a covered driver and didn't have permission (he literally just took it!). Our car was damaged and we suffered injuries. The person that struck us attempted to lie to both insurance agencies about the cause of the accident, and they all weren't too happy with him. Needless to say we received a payout from the insurance and also had our car fixed. I would assume though that he would have had even bigger problems if we had reserved our right to sue.

 

As a new driver in the US, even if you have years of experience,e it is wise to get yourself some sort of coverage. It will be high for a little while but come down over time. They will not care about any foreign driving experience I'm afraid. Shop around and see what the companies say and also make sure about the rules of the policy. https://www.esurance.com/info/car/car-insurance-follows-the-driver-myth

 

Also you're going to need to get a license from the state you live in.

 

 

Edited by yuna628

K-1 - AOS & ROC Timeline  - Immigration and the Health Exchange Price of Love in the UK Thinking of Returning to UK?

 

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(deleted) "Several states - Kansas, Michigan, New York, Virginia, and Wisconsin - don't allow named driver exclusions at all, calling the creation of an uninsured driver antithetical to public policy."

Edited by HRQX

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9 minutes ago, yuna628 said:

I cannot access the website. This is what I get:

Looks like Esurance doesn't do business in your area yet.

Right now, we offer products in the U.S., Canada, and Mexico. If you're in one of those areas and feel you're getting this message in error, give us a call at 1-800-ESURANCE (1-800-378-7262)

 

 

9 minutes ago, yuna628 said:

 

Also you're going to need to get a license from the state you live in.

Thank you, I am aware of that.


"Life is a journey." At this moment, it's taking me to the USA to the woman I love.

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Just now, jeaniecz said:

I cannot access the website. This is what I get:

Looks like Esurance doesn't do business in your area yet.

Right now, we offer products in the U.S., Canada, and Mexico. If you're in one of those areas and feel you're getting this message in error, give us a call at 1-800-ESURANCE (1-800-378-7262)

 

 

Thank you, I am aware of that.

Ah, you don't have a VPN I guess. Here's some snippets:

 

Quote

Even if your friend has great coverage with the highest limits and the lowest deductibles, your auto insurance would have to cover the damages if your friend got into an accident while driving your car.

car insurance follows the car

If you're thinking of letting someone drive your car for a few hours, days, or weeks, keep in mind that you're not only lending your car, you're also lending your car insurance. In most states, comprehensive and collision coverage protects your vehicle regardless of who's driving it.

Though state laws vary, here's how auto insurance coverage breaks down in the event of an accident:

  • If you give any non-excluded driver (that is, someone you don't explicitly exclude on your policy) permission to take the wheel, your car insurance takes primary coverage status, which means that your car insurance would be primarily liable if something happens. The permitted driver's own insurance would serve as secondary coverage. So, for instance, if you loan your car to your best friend Drew and he causes an accident, you'll have to file a claim with your insurer, pay the deductible, and possibly expect a rate increase. If Drew has auto insurance, he might be responsible for any personal liability and medical expenses. Additionally, his coverage might have to step in if the limits of your policy have already been reached.
  • If Drew gets into an accident and isn't at fault, you won't have to worry about your insurance taking a hit. Generally, you can file a claim with the at-fault party's insurance, skip paying the deductible, and get coverage for any damages to your vehicle.
  • If Drew happens to be an uninsured driver and causes an accident, you could be liable for all of the damages. For example, if your uninsured friend causes a 3-car pileup that exceeds your car insurance limits, the injured parties could sue you to pay for medical fees and property damages.

permissive use

Due to a provision in your car insurance policy called an "omnibus clause," your insurance will cover any driver, family member who lives with you, and even your dependent children away at school, so long as they have your permission to drive your vehicle.

Note that in some states, permissive drivers will have reduced coverage while operating your vehicle.

non-permissive use

If your car's taken without your consent, you won't be held accountable for any damages. For instance, if a thief takes your car for a joyride and crashes it into a parked BMW 740i, you won't be liable for any damage to the BMW. However, you'll most likely have to use your insurance to cover any damages to your vehicle.

On the other hand, if a friend borrows your car without your permission and causes an accident, your friend's insurance will probably be considered primary coverage and yours secondary.

If your friend doesn't have insurance, you're out of luck. In most circumstances, you'll have to use your own auto insurance to cover the accident.

One thing to note: unless it's clear that you expressly deny permission, most car insurance companies will usually assume that your friend, visiting relative, or family member residing with you has your permission to drive your vehicle. So, if an accident were to occur, chances are you'll still be liable for damages, even if you didn't personally or verbally hand over the keys.

 


K-1 - AOS & ROC Timeline  - Immigration and the Health Exchange Price of Love in the UK Thinking of Returning to UK?

 

First met: 12/31/04 - Engaged: 9/24/09
Filed I-129F: 10/4/14 - Packet received: 10/7/14
NOA 1 email + ARN assigned: 10/10/14 (hard copy 10/17/14)
Touched on website (fixed?): 12/9/14 - Poked USCIS: 4/1/15
NOA 2 email: 5/4/15 (hard copy 5/11/15)
Sent to NVC: 5/8/15 - NVC received + #'s assigned: 5/15/15 (estimated)
NVC sent: 5/19/15 - London received/ready: 5/26/15
Packet 3: 5/28/15 - Medical: 6/16/15
Poked London 7/1/15 - Packet 4: 7/2/15
Interview: 7/30/15 - Approved!
AP + Issued 8/3/15 - Visa in hand (depot): 8/6/15
POE: 8/27/15

Wedding: 9/30/15

Filed I-485, I-131, I-765: 11/7/15

Packet received: 11/9/15

NOA 1 txt/email: 11/15/15 - NOA 1 hardcopy: 11/19/15

Bio: 12/9/15

EAD + AP approved: 1/25/16 - EAD received: 2/1/16

RFE for USCIS inability to read vax instructions: 5/21/16 (no e-notification & not sent from local office!)

RFE response sent: 6/7/16 - RFE response received 6/9/16

AOS approved/card in production: 6/13/16  

NOA 2 hardcopy + card sent 6/17/16

Green Card received: 6/18/16

USCIS 120 day reminder notice: 2/22/18

Filed I-751: 5/2/18 - Packet received: 5/4/18

NOA 1:  5/29/18 (12 mo) 8/13/18 (18 mo)  - Bio: 6/27/18

Transferred: Potomac Service Center 3/26/19

Approved/New Card Produced status: 4/25/19 - NOA2 hardcopy 4/29/19

10yr Green Card Received: 5/2/19 - Error will need to file I90 >_<

 

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21 minutes ago, WandY said:

1. Insurance often depends on the insurance company and jurisdiction (state), but generally spouses (not fiances) are covered, as long as they have a valid license. You probably will not be added under fiance's policy. If the fiance has comprehensive insurance, you will be covered as long as you have permission to use the vehicle and have a valid drivers license. If your fiance has liability only, you are probably not covered. Again, it depends on jurisdiction and the insurance companies.

Thank you, we will check with the insurance company. I just 

 

21 minutes ago, WandY said:

2. Insurance is relatively inexpensive and not hundreds of dollars per month. For instance, I pay about $750 per year for total coverage on a $30,000 car being financed since buying new in 2017. In some states, I'd pay more and some I might pay less. I have a clean record and no accidents in which I was at fault.

Is is relative to your credit score?

 

21 minutes ago, WandY said:

 

2. In general, liability insurance follows the driver and comprehensive/collision follows the car.

Thank you, this is very helpful. I have no idea which one she has but will look into that.

 

21 minutes ago, WandY said:

 

3. You need a valid drivers license. Don't drive your fiance's vehicles without one.

I wasn't planning to. You know, in Europe, we are only allowed to drive a car if holding a valid DL, too 😜

 

21 minutes ago, WandY said:

 

4. American insurance companies don't care about your foreign driving record.

Hmmm, I was afraid they wouldn't, which is a pity, but nothing to do about it, I guess.


"Life is a journey." At this moment, it's taking me to the USA to the woman I love.

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15 minutes ago, HRQX said:

(deleted) "Several states - Kansas, Michigan, New York, Virginia, and Wisconsin - don't allow named driver exclusions at all, calling the creation of an uninsured driver antithetical to public policy."

I apologize, but I don't know what you're talking about.... Could you explain?


"Life is a journey." At this moment, it's taking me to the USA to the woman I love.

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1 minute ago, jeaniecz said:

I apologize, but I don't know what you're talking about.... Could you explain?

In states like California, it's allowed to exclude individuals from the policy: https://www.insurance.com/auto-insurance/saving-money/exclude-a-problem-driver-from-your-policy.html Virginia isn't one of those states. That is why I edited my post.

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