Automobile Insurance Policy San Francisco California CA

Reader’s Question:

Two months ago, I purchased an auto insurance policy here in San Francisco, California. The thing is I just signed the damn thing without asking everything I need to know from the agent. I want to know if I can add someone other than a relative as secondary driver. My agent asked me if somebody else might drive my car but at that moment I said no. But now I am thinking in case of emergencies, can I add my neighbor who I can trust?

Raymond

San Francisco, CA

Usually, the secondary driver is listed if you have somebody in your household who has a license to drive a motor vehicle. Usually, the wife or teenagers in the house have has passed state requirements and have their own license are designated as secondary drivers. As you have said, you have clearly stated that you live alone, and so that’s why your agent did not ask you for a secondary driver. Going through the guidelines for auto insurance companies in San Francisco, California, I have found that secondary drivers should not be assigned either as a primary to the vehicle in question or as a secondary driver to another vehicle. Your rate will also vary depending on the following risk factors for your assigned secondary driver: His or her safety record, how long has he or she had a license, whether he or she is married, has he or she had driver training lessons, and of course, their academic status. Expect additional on your premiums if your insurance found out your secondary driver appointee is found to be of high risk. Teenagers are definitely high risk. Going back to the guidelines, there was no mention of secondary driver must be a relative. So, I guess, assigning your neighbor will not be violating any legal premises.

Tags: auto insurance, car insurance, car insurance agent