- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: State Farm is mandating a "Multicar policy" on my family
Posted on 6/23/25 at 2:01 pm to yellowfin
Posted on 6/23/25 at 2:01 pm to yellowfin
quote:they will if they read this thread. It's called fraud.
My son gets his license in a couple months, if I don’t add him to my policy are they going to deny claim when he gets in an accident?
1
Posted on 6/23/25 at 2:04 pm to AlxTgr
quote:
Example? I have never seen a company get around this.
My daughter is a resident relative that I did not disclose on my application. I gave her permission to drive my car. She is not insured.
Posted on 6/23/25 at 2:05 pm to Neauxla
see the scenario I just posted
Posted on 6/23/25 at 2:07 pm to Motorboat
So, a misrepresentation? BTW, SF would cover
Posted on 6/23/25 at 2:14 pm to SallysHuman
quote:
25/50, 95, 00, 08, 25 model years.
IOW, state minimum liability.
Not a chance I’m carrying less than 100/300 these days. When I was traveling full time and driving my own car, it was 250/500 with a $1 million umbrella. You are screwed if you ever get in an at-fault accident with this coverage limits unless you carry an umbrella policy.
Posted on 6/23/25 at 2:15 pm to Floyd Dawg
quote:
You are screwed if you ever get in an at-fault accident with this coverage limits unless you carry an umbrella policy.
Posted on 6/23/25 at 2:24 pm to AlxTgr
quote:
So, a misrepresentation? BTW, SF would cover
Really? Progressive and other minimum policy insurers are denying these left and right.
Posted on 6/23/25 at 2:41 pm to FortunateSon
quote:
FortunateSon
UnfortunateSon = poor
Posted on 6/23/25 at 2:46 pm to AlxTgr
quote:
So, a misrepresentation? BTW, SF would cover
I saw progressive deny a claim like this
Posted on 6/23/25 at 2:47 pm to Motorboat
quote:Was she a licensed driver when you applied? Did they ask you if you had any licensed drivers living in the household and you withheld that? What was your reason for withholding?
My daughter is a resident relative that I did not disclose on my application. I gave her permission to drive my car. She is not insured.
If she gets in an accident, they very well may decline affording her coverage because of fraud if the reason you did not tell them was to avoid rate hikes or they asked you if she lived there and lied. Now if she became a licensed driver after your application and you just "forgot to add her" then there is no fraud.
Posted on 6/23/25 at 2:52 pm to Neauxla
I’m not talking about fraud. I’m talking about coverage.
Posted on 6/23/25 at 3:17 pm to Motorboat
quote:Well if you know your daughter is a licensed driver living in your house and suspect she will drive your vehicles and when asked who are the licensed drivers in your house, you leave her off the list, then you committed fraud. When you commit fraud, they can deny coverage.
I’m not talking about fraud. I’m talking about coverage.
Posted on 6/23/25 at 3:19 pm to Motorboat
quote:
I’m not talking about fraud. I’m talking about coverage.
they go hand in hand.
Posted on 6/23/25 at 3:30 pm to Chad504boy
quote:
quote:
I’m not talking about fraud. I’m talking about coverage.
they go hand in hand.
Semantics... but ain't nobody prosecuting or suing for civil fraud in these situations. So it's a coverage issue, and I'm seeing more and more insurance companies denying based on minor policy details they otherwise may not have.
Or that more of these infractions are being committed because of inflation and affordability.
This post was edited on 6/23/25 at 3:31 pm
Posted on 6/23/25 at 4:02 pm to Motorboat
quote:
it's a coverage issue, and I'm seeing more and more insurance companies denying based on minor policy details they otherwise may not have.
Dude, it’s not a minor detail. I have seen it happen. But you do you. Smart guy
Posted on 6/23/25 at 4:06 pm to Motorboat
The claim would be denied on the basis of fraud. Undisclosed youthful drivers cause lots of accidents, litigation and payouts without the insurance companies ever being able to price the risk properly
Posted on 6/23/25 at 4:07 pm to Chad504boy
quote:
They would only rate the teen driver on 1 vehicle and not apply all drivers to all vehicles in household.
You mean gaming rates which is fraud?
Posted on 6/23/25 at 4:25 pm to Motorboat
If you want to roll the dice, go ahead. But when she gets hit by someone, it'll be no pay no play and your car isn't getting fixed and she isn't getting medical care outside of her health insurance.
Posted on 6/23/25 at 4:31 pm to Neauxla
quote:Are you sure about that? A liability claim would have been a better example. I think the PD is paid for sure.
But when she gets hit by someone, it'll be no pay no play and your car isn't getting fixed and she isn't getting medical care outside of her health insurance.
Posted on 6/23/25 at 4:33 pm to AlxTgr
quote:100%
Are you sure about that? A liability claim would have been a better example. I think the PD is paid for sure.
Page 6 of 7
Popular
Back to top
Follow TigerDroppings for LSU Football News