What do I need to remove a driver from my policy? To remove someone from your policy, you'll likely need proof of new insurance, proof of new residence, proof of death, or a signed moving application. If your child is going to college, you can remove it from your policy, but it might not be a good idea. If they carry a car with them or are going to use yours when they visit your home, you should include them in your policy. Some insurance companies offer a substantial discount for people whose college-age children go to school at least 100 miles from home, which could help you save money while allowing your child to stay on their policy.
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ET If you are using a screen reader and are having problems using this website, call 1-855-695-2255 for assistance. If someone in your household has purchased their own insurance policy, wait for your insurance company to ask you for proof of their new insurance before allowing you to remove it from your coverage. Under state law, insurance companies don't have to use original equipment manufacturer (OEM) auto parts, but the replacement parts must be “of the same fit, quality and performance.” If you're insured through GEICO or State Farm, you can contact them directly to find out exactly how they approach removing a driver from your coverage. There's a good chance that the insurance company will remove them from your insurance as of the effective date of your new policy, so don't be surprised if you don't have the option to remove them from your coverage.
In fact, not having responsibility for bodily injuries at the time of a car accident could be devastating to your finances, since you know that you, and not your insurer, would be responsible for assuming all of your out-of-pocket expenses. For parents and teens who are shocked by high car insurance premiums, know that there are ways to save. Collision insurance covers the repair or replacement of your car if it is damaged by another vehicle or an object, such as a telephone pole or tree. GEICO also offers the best overall car insurance in Florida if you want to balance affordability and quality of service.
If you've already compared the quotes of several insurance companies and you know that even the cheapest policy available is too expensive if you have to insure a specific person, sometimes you can choose to exclude a driver from your policy. In the absence of expert advice and analysis, it can seem impossible to really know if your car insurance is right on the mark. Car insurance that meets Florida's minimum insurance requirements only covers property damage liability (PDL) and personal injury protection (PIP). These numbers represent the real cost of car insurance coverage purchased by Florida residents and take into account everyone, from high-risk drivers (who typically pay the highest rates) to those with minimal coverage.
No-fault insurance means that, after a car accident, your insurance will pay for the medical bills and other losses of anyone covered by your policy (up to their limits) regardless of who was at fault.