This month let's reach into the old Dropbox and download a recent missive (slightly edited for clarity) from alert reader “Confused.”
We have the opportunity to write/service the home AND auto insurance for a newly married couple. The auto policy is causing a dilemma.
The wife has her personal auto policy with Company A, while her husband has been insured under his parents' policy. Upon their recent marriage, her husband's name was added to her personal policy as a named insured and driver. His vehicle, however, was not added to the policy, as it is titled to his parents. This vehicle causes a problem for a couple of reasons:
|- The husband is no longer a family member of his parents' policy because he is no longer in their household.
- The vehicle is available for the newly married couple's regular use.
To correct this problem, I am looking at adding the Extended Non-Owned endorsement to the policy. The couple does not feel adding this endorsement is necessary as they think the vehicle and the husband are properly protected by his parents' insurance policy.
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