My wife is considered high risk. I drive both our vehicles more then she does. Can I be listed as the primary driver on both vehicles through two different insurance companies? Fraud? If she does get into an accident, what will happen with our claim?
Thanks!!!
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April 9, 2010 @ 5:32 am
Sure, you can be listed as the primary driver, but your wife will still have to be a named driver in order to insure coverage.
April 9, 2010 @ 5:41 am
YOU WIFE WILL STILL HAVE TO BE A NAMED DRIVER FOR YOUR INSURANCE COMPANY TO COVER YOU.
April 9, 2010 @ 6:39 am
first, why would you have 2 policies? it really doesn’t matter if she doesn’t drive as much as you. the companies are going to rate the highest risk driver, thats her.
April 9, 2010 @ 6:58 am
Sure, but it’s not going to help you. The insurance company will use the highest rated driver on the vehicle – meaning, you’ll be paying her high risk charges TWICE – once on each policy. Remember, you don’t get to pick which driver gets charged to a car, if you only have one car – it’s ALWAYS highest rated driver to highest rated car, etc.
You’re better off putting both vehicles on one policy, so you only get dinged once for her driving record.