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billy jet · Jun 4, 2010, 03:08 AM

My girlfriend lives with her son and pays very high car insurance because of his driving record, if she changes her address on her drivers license and car registration to my house address she will pay much less , she stays in my house 3 or 4 days a week as it is can she do this and still maintain her apartment with her son, we live in New York state.

JudyKayTee · Jun 4, 2010, 07:01 AM

What is her residence? If she lives somewhere else (pays bills there, gets mail there, has a lease there) this is insurance fraud.

I'm in NY, I'm a liability investigator and something like this could cause her insurance company to deny a claim and also you could be sued under the shotgun theory of living in the same house but having different insurance companies.

A very, very bad idea to lie to the insurance company.

excon · Jun 4, 2010, 07:17 AM

Hello billy:

She's not paying high rates because her son lives with her. She's paying high rates because she's insuring him. The insurance company doesn't care who her roommates are. Changing her address won't change his driving record which is at the heart of the issue.

excon

JudyKayTee · Jun 4, 2010, 07:46 AM

I'm not sure she's insuring him. Of course, if he's in the same household his record counts.

billy jet · Jun 4, 2010, 12:39 PM

I thank you for your comments and advise... she is going to move in with me and change her mailing address and her motor vehicle license and registration to my house and has her own insurance with a company other than mine... her son will continue to live in the apartment she had rented for the two of them ,he is in the national guard and recently got his own car insurance with the us army he will continue to live in the apartment on his own.

JudyKayTee · Jun 4, 2010, 02:44 PM

Good solution all the way around!

Fr_Chuck · Jun 4, 2010, 07:19 PM

And of course if you have a adult child living at home, with bad record, you can not let them ever drive your car and have them specificly named as not allowed to drive the car. I did that with one of my adult children,

JudyKayTee · Jun 5, 2010, 06:47 AM

And I will add, depending on your company, NOT to allow under-25-drivers to drive your car. My company specifically warned me about drivers under that age.

jpbuzzworthy · Jun 5, 2010, 06:54 AM

I agree that it can vary from state to state regarding what drivers you can and cannot exclude.
The one thing I can contribute from personal experience is that in the State of Wisconsin, I was allowed to exclude a teenager from my policy ONLY because he was NOT related to me. They said that otherwise it would be impossible to exclude him.
Also the insurance company explained to me that an excluded driver can borrow your car up to 12 times per year (for an indefinite amount of time each event) and there would be coverage if they had an accident.

billy jet · Jun 6, 2010, 06:15 PM

Hi judy... even though my girlfriend is going to move in with me and change her license and car registration and her mailing address through the NY dept. of motor vehicles to reflect my address the apartment she shared with her son and that he will continue to live in is leased for another year in her name and she will be helping him pay the bills to maintain it. As I said before he has gotten his own car insurance through th us army and she will pay much less for her car insurance living with me.I know you mentioned before about a lease in her name could be a problem .I just want to make sure this situation is proper and above board as I would rather her pay a higher premium than have any legal worries... any helpful advise would be appreciated...