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YOUR HOUSEHOLD & CAR
INSURANCE
By Chuck Wells
Insurance companies look at
everyone in your household before they will give you a
car insurance policy.
That’s right; even if they have their own insurance!
Let’s assume your two sons and Uncle Harry live with you. All
three of them have their own car insurance policies. One of your
sons had three accidents over the past three years (but of
course, he is still a good boy and an excellent driver) and
Uncle Harry had a DWI 2 years ago while driving home from bingo.
You don’t have any tickets or accidents.
You may not be able to get preferred rates because of your son
and Uncle Harry as your car insurance company is afraid they
will borrow your car and have an accident. You get angry and
say: “But that’s not fair!” Well, welcome to New York State.
In New York, anyone you give permission to drive your car is
automatically covered under your car insurance. They do not have
to be listed on your policy to get the coverage. Also, anyone
living with you is presumed to have permission to drive your car
and saying later, after they have a car accident, that they did
not have permission or that they “stole” your car, will not cut
it. Even if you had reported the car stolen before the accident,
there may still be an assumed consent because they lived with
you.
If our car insurance policies were set up to only cover those
listed in the policy, insurance companies would not worry about
other people in your household. In-the-meantime, be prepared to
pay for others you live with.
THE HORSE WON—BURGLAR DID
NOT
Andrew Cameron of Cheltenham, England thought he was smart.
He stole Jacqueline Boanson’s debit card to place a horse bet.
The horse won and his winnings were $495. Only one problem.
Winners have to show photo ID to collect. Since he could not do
that, the winnings went into Boanson’s account. If he was smart
enough to win the bet, why wasn’t he smart enough to know about
the photo ID?
DEATH OF BILL BUTLER FROM
ONTARIO
I was saddened to hear about the death of Bill Butler in a
car accident in Australia. Bill sold me my first life insurance
policy when I first moved here from Pennsylvania to take a
teaching job at Wayne Central. Bill was one of the hardest
working and most disciplined insurance agents I have ever met.
He did not settle for second best at anything. He also really
liked people and you knew that the minute you met him. He always
had a humorous story to tell and that drew people to him. His
wisdom and compassion touched so many people in ways he did not
even realize himself. The world was a better place because of
Bill and a lot of people will miss him.
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