Old post, I know, but info is info.
Insurance companies have to insure you for an uninsured motorist, so you can lend your vehicle to someone from time to time. They don't want to but it is in the regulations and they must. The reason they don't want to is that you pay premiums based on your driving record and you might lend your vehicle to someone who is a higher risk.
Once you call them to add someone as an "additional insured", your rates go to whatever the higher risk driver's rate would be.
A rider from abroad with no US driving record would be classified as a "new driver" and could triple the premium.
No use opening a can of worms. If an insurance co can screw you, they will.
|