這裏還有篇,特別提到了.Comprehensive and Collision．還有直係親屬，如兒子．

http://www.claimsjournal.com/news/national/2014/06/05/249762.htm

Comprehensive and Collision

Comprehensive and collision auto insurance coverage, on the other hand, are tied to the insured vehicle (they follow the car). These coverages pay for damage that befalls the insured vehicle as a result of an accident or vandalism. One could say that if you loan your vehicle, you loan your insurance. With comprehensive insurance which covers almost everything, it is the car rather than the driver that is covered. This, however, requires many stipulations to be put in place, such as who is allowed to drive the car. If someone other than the insured is driving a vehicle covered by comprehensive coverage and is not listed as a covered driver – even if the other person has permission – the other person might not be covered in an accident. Family members (such as children or a spouse) are generally already included in the policy definition of “insured.” However, rarely will insurance cover a driver operating a vehicle without the owner’s permission.

所有跟帖： 

• 樓主的情況是 -單身老貓- ♂ (1654 bytes) () 04/14/2016 postreply 13:42:13

• 老貓,能否煩您回答一下我新的問題嗎? 先謝過 -寧靜致遠89- ♀ (306 bytes) () 04/14/2016 postreply 13:52:55

• 找律師花錢消災。 -檸檬椰子汁- ♂ (266 bytes) () 04/14/2016 postreply 14:10:52

• thanks ! I set a high value on your advice. -寧靜致遠89- ♀ (0 bytes) () 04/14/2016 postreply 14:21:04

• 我的理解：exclude是指特意給保險公司說我不讓這人開我車,但是REMOVE AND ADD THE NAME不算是EXCLU -知福惜福- ♀ (110 bytes) () 04/14/2016 postreply 14:44:24

• 樓主就是聽了像你那樣的話，才吃了這個虧。 -水中撈月- ♂ (1485 bytes) () 04/14/2016 postreply 15:01:52

• 孩子長大了應該把他從exclusion去掉 -檸檬椰子汁- ♂ (790 bytes) () 04/14/2016 postreply 15:15:20

• “把孩子從exclusion list 裏麵去掉”，有網頁信息鏈接嗎？俺來學習學習。 -水中撈月- ♂ (0 bytes) () 04/14/2016 postreply 15:27:40

• 並非如此。25歲以下單身的保險會很貴，並不是你說拿掉就拿掉那麽簡單。 -白兔媽- ♀ (0 bytes) () 04/14/2016 postreply 15:43:35

• 她兒子成年後曾經買過保險，那個時候她就應該把孩子從exclusion list去掉 -檸檬椰子汁- ♂ (0 bytes) () 04/14/2016 postreply 15:49:44

• 一樣是25歲以下single。你去看一下你的policy就明白了 -白兔媽- ♀ (120 bytes) () 04/14/2016 postreply 15:58:20

• 檸檬所言極是.是我自己沒有仔細查保險內容才造成這個局麵也希望能引起大家的注意避免我的錯誤 -寧靜致遠89- ♀ (0 bytes) () 04/14/2016 postreply 16:37:55

• 知福惜福, 真得非常謝謝您的熱心幫助. 我也是這樣認為否則決不會讓孩子開. 問題出在我 removed 孩子名從我的保險.我在德 -寧靜致遠89- ♀ (0 bytes) () 04/14/2016 postreply 13:48:39

• 我在德州.孩子在加州 -寧靜致遠89- ♀ (0 bytes) () 04/14/2016 postreply 13:49:43

• 你看一下這個專門針對德州的exclusion list, 除非你把你兒子名字特意放到了保險條款的exclused list,上， -知福惜福- ♀ (384 bytes) () 04/14/2016 postreply 20:50:02