This is Ohio, and All State.
We have lots of family members that come in to town on a very frequent basis, and I found a really good lease deal so I got a 3rd vehicle. I let these family members (not usually staying with me) use it. I hold insurance as the lease holder, and I am confident all the drivers are properly licensed and have their own insurance.
I received a letter from all state saying that I "may not be covered" if an incident occurs and the driver is not a listed driver living with me. This is a "change" that will take effect with my next renewal.
My assumption (anyone please correct me) is that the driver insurance would be the primary coverage, and my coverage is what is required as the official leaseholder.
I would appreciate any feedback you all can give me based on your knowledge and experience, what this change might be about, what are some of the potential issues with this arrangement.
Thank you.
We have lots of family members that come in to town on a very frequent basis, and I found a really good lease deal so I got a 3rd vehicle. I let these family members (not usually staying with me) use it. I hold insurance as the lease holder, and I am confident all the drivers are properly licensed and have their own insurance.
I received a letter from all state saying that I "may not be covered" if an incident occurs and the driver is not a listed driver living with me. This is a "change" that will take effect with my next renewal.
My assumption (anyone please correct me) is that the driver insurance would be the primary coverage, and my coverage is what is required as the official leaseholder.
I would appreciate any feedback you all can give me based on your knowledge and experience, what this change might be about, what are some of the potential issues with this arrangement.
Thank you.