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Adding oversea's relatives to car insurance (USA)

Adding oversea's relatives to car insurance (USA)

Old Aug 15th 2012, 2:04 pm
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Default Adding oversea's relatives to car insurance (USA)

Hi, I've tried searching but nothing came up on this topic. In the US for 5 years and have been insuring visiting relatives (father, brother so close family) to drive my cars through GMAC Insurance. On renewing they now tell me that unless they live at my address (permanently) they will not be insured.
Anyone know of Insurance companies that offer this? The visits can be 3 months long so it's too expensive to rent for that time.
Based Minnesota if that makes any difference.

Thanks
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Old Aug 15th 2012, 2:13 pm
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Default Re: Adding oversea's relatives to car insurance (USA)

We have done it using 21st Century, via AIG/Chartis inbound travelguard.

No issues doing it that way, but it does cost $440 per annum to have the service. However, it should in theory mean 21st Century are at least capable of doing it...
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Old Aug 15th 2012, 2:17 pm
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Default Re: Adding oversea's relatives to car insurance (USA)

Thanks for the quick reply - I'll call them today!
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Old Aug 15th 2012, 2:28 pm
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Default Re: Adding oversea's relatives to car insurance (USA)

Ours only allowed visitors with a valid California license. Then only if they visited for less than a month. After that I'd have to add them to the insurance. What a pain.
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Old Aug 15th 2012, 2:44 pm
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Default Re: Adding oversea's relatives to car insurance (USA)

Im on my wifes insurance while still in the UK (Progressive I believe) and it actually lowered her premium. Figure that out.
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Old Aug 15th 2012, 8:38 pm
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Default Re: Adding oversea's relatives to car insurance (USA)

Originally Posted by kcbrit View Post
Anyone know of Insurance companies that offer this?
I am covered via www.mutualofenumclaw.com I asked them recently as I had friends coming over from Aus.

Their response was, no need to add them. My insurance covers them and anybody else. They said my policy covers a driver who doesn't have insurance to cover driving somebody elses car. e.g if there own car insurance covers driving my car, they would claim on that policy. if it doesn't or they don't have a policy then my insurance would cover any costs.

No time limits involved and I did mention they were coming from overseas and wouldn't have a USA driving license

Been with these guys for 5 years. No issues, but haven't made a claim. ~$1200 for a VW passat and Volvo xc90 for 12 months fully comp.
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Old Aug 15th 2012, 8:41 pm
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Default Re: Adding oversea's relatives to car insurance (USA)

Thanks to everyone who has replied so quickly! I've got some calling to do!
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Old Aug 15th 2012, 8:52 pm
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Default Re: Adding oversea's relatives to car insurance (USA)

Originally Posted by kcbrit View Post
Thanks to everyone who has replied so quickly! I've got some calling to do!
Our Allstate insurance covers my parents when they visit.
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Old Aug 16th 2012, 1:00 am
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Default Re: Adding oversea's relatives to car insurance (USA)

I always thought the insurance was on the car, not the people, no matter who was driving?

Rene
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Old Aug 16th 2012, 2:02 am
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Default Re: Adding oversea's relatives to car insurance (USA)

Originally Posted by Noorah101 View Post
I always thought the insurance was on the car, not the people, no matter who was driving?

Rene
Agreed. I should have written that my insurance covers anyone who I give permission to drive my car
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Old Aug 16th 2012, 7:16 pm
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Default Re: Adding oversea's relatives to car insurance (USA)

Originally Posted by Noorah101 View Post
I always thought the insurance was on the car, not the people, no matter who was driving?

Rene
It usually is, but depending on the state, they might have driving license requirements that johnny foreigner might not meet.
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Old Aug 16th 2012, 9:37 pm
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Default Re: Adding oversea's relatives to car insurance (USA)

Originally Posted by Noorah101 View Post
I always thought the insurance was on the car, not the people, no matter who was driving?

Rene
correct in most states.

unless expressely excluded.
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Old Aug 16th 2012, 11:57 pm
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Default Re: Adding oversea's relatives to car insurance (USA)

Originally Posted by Manc View Post
correct in most states.

unless expressely excluded.
That's what I thought, thus wondering why the OP had the question.

Rene
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Old Aug 16th 2012, 11:59 pm
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Default Re: Adding oversea's relatives to car insurance (USA)

My USC partner added me to her insurance with State Farm without issue online. They have the option for selecting foreign driving licence. If you have someone that visits regularly this will probably be cheaper.

The previous insurance company advised us say the OH had something in her eye if we got pulled over. Didn't particularly want to test that.
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Old Sep 29th 2012, 8:37 pm
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Default Re: Adding oversea's relatives to car insurance (USA)

Anyone any knowledge on Geico's stance on this? My insurance is due and they are $100/6 months cheaper than AIG now I have history (plus I won't have to spend another $440).
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