If you live with a relative who has a bad driving record, you may find that it’s hard to get car insurance for yourself. This is because these people are usually named as insured parties, which makes the insurance company liable for any accidents or other mishaps they get into. Some companies will allow you to exclude such drivers, but even then, it can be hard to get insurance.
One of the reasons for this is the basic premise that those who live with you are likely to end up driving your car at some point. This is because things come up during daily life that may result in someone with a bad driving record taking "just a short trip" even though they aren’t supposed to. Insurance companies know this and plan accordingly.
Remedial driving courses for those with bad driving records offer one way to mitigate this problem. Often, states allow those who take such courses to shave a couple of points off of their records. Having your relative take these courses may allow your household to qualify for auto insurance once more.
For more information on car insurance in California, please contact Stromsoe Insurance Agency located in Murrieta.