Question:
We were notified recently that our umbrella insurance policy was being dropped becuase I received a DUI in 2005. I am thinking of switching my driver's insurance policy to another company so my family can continue its umbrella policy. Therefore, being insured at another company leaves me without the extended coverage. Should I take out my own umbrella policy? Any thoughts or suggestions? Thnx.
Answers:
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Leave everyone under one umbrella policy but take it out with another company that can write someone that has had a DUI. Ask the company you are currently with how old the DUI has to be before they would be able to write your umbrella policy again. If your current company will stay on your auto policy, leave it with them.Why does car need a new mot and dvla test??
Call an idependent agent and ask them for a quote on the umbrella. Don't exclude yourself from coverage. It's not worth it.
Your family will need to put an exclusion on their policy, excluding you from coverage. You will need to get insurance for yourself only from another agency, with an exclusion for your family. You would only be able to drive that car, I'm unsure if an unbrella policy is the way to go, depends on makes,models, years of cars. Insurance companies are allowed to go back three years for insurance purposes, ten years if there is an alcohol offense, so this DUI will follow you for quite some time. Higher rates, separate policies, hopefully children aren't nearing driving age, My family had this situation(he had 2+DUI)and I had kids getting ready to drive. My rates quadrupled, I was juggling 3 different insurance companies, I had to make a list of who could/could not drive one of the cars. We had several on the property, it was pretty crazy, very expensive. Good luck.
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I don't know if you can do that. Unless the umbrella policy for the rest of your family carried an endorsement to exclude you (and if that were possible the insurance company would have offered that option) you'd still be potentially covered under their policy if you live with them or you're married to the insured. And if you can't get an umbrella with this current company due to a DUI, what makes you think another company will write you?More Questions & Answers ...
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