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	<title>New answer on: Our Grandson Lives With Us And Has Insurance With Step Dad.  He Had An Accident, Are We Responsible?</title>

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		<title>By: Allen Mitchell</title>

		<link>https://insurancelibrary.com/auto-insurance/grandson-lives-us-insurance-step-dad-accident-responsible</link>

		<dc:creator>Allen Mitchell</dc:creator>

		<pubDate>Wed, 04 Dec 2013 22:38:03 +0000</pubDate>

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		<description><![CDATA[This is a very common question and the the answer given about the technical aspects are excellent.  The main thing in this type of case as I have discovered over the years is to contact a lawyer and pay for a simple interview if you must.  I had a similar thing happen with an accident I had before I entered the insurance profession and I wound up paying my own deductible when the other party was issued several tickets.  I did two things, I had an attorney write a letter to the company we were both insured with and I took my insurance elsewhere.  I received a refund for my deductible.]]></description>

		

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		<title>By: Josh DeBoer</title>

		<link>https://insurancelibrary.com/auto-insurance/grandson-lives-us-insurance-step-dad-accident-responsible</link>

		<dc:creator>Josh DeBoer</dc:creator>

		<pubDate>Fri, 22 Nov 2013 18:10:35 +0000</pubDate>

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		<description><![CDATA[First of all, I hope everyone is ok from the accident. Well, there are a few questions that you need to ask and you need to take a look at the auto policy. How long has your grandson been living with you?  Take a look at the policy to see if your grandson&#039;s name listed on the policy as a named insured. Here is how &quot;you and &quot;your&quot; is defined in the policy:

1. Those named in the declarations, and
2. The spouse of the person(s) named, if they are a resident of the SAME household
     a.  Living in the same household as &quot;You&quot;, or if not living in the same household as &quot;You&quot;, he or she   is considered &quot;You&quot; unitl the earlier of:
     1.  90 days after a change in residency
     2.  The effective date of securing his or her own coverage
     3.  The date the policy expires

A &quot;Family member&quot; is defined:

1. A resident of your household who is:

a. related to you by blood, marriage, or adoption
b. is a ward or foster child.

Now that your grandson lives with you, the insurance company is wanting to add him to your insurance because he is a  &quot;Family Member&quot; of your household and not his step fathers. You need to discuss what you would like to happen with your current agent. The insurance company may offer a solution and have you sign a driver exclusion form that would specifically exclude your grandson from your policy.]]></description>

		

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