我們的孫子生活在我們身邊，並與爸爸保險。他有事故，我們是否負責？
我們的孫子生活在我們身邊，並與爸爸保險。他有事故，我們是否負責？
 First of all, I hope everyone is ok from the accident. Well, there are a few questions that you need to ask and you need to take a look at the auto policy. How long has your grandson been living with you?Take a look at the policy to see ifyour grandson's name listed on the policy as a named insured. Here is how "you and "your" is defined in the policy: 1. Those named in the declarations, and 2. The spouse of the person(s) named, if they are a resident of the SAME household a. Living in the same household as "You", or if not living in the same household as "You", he or she isconsidered "You" unitl the earlier of: 1. 90 days after a change in residency 2. The effective date of securing his or her own coverage 3. The date the policy expires A "Family member" is defined: 1. A resident of your household who is: a.related to you by blood, marriage, or adoption b. is a ward or foster child. Now thatyour grandson lives with you, the insurance company is wanting to add him to your insurancebecausehe is a "Family Member" of your householdand not his step fathers.You need to discuss what you would like to happen with your current agent. The insurance company may offer a solution and have you sign a driver exclusion form that would specifically exclude your grandson from your policy.
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