I am with TD Molex for my car insurance for last few years

Happy with service & premium

I recently added my wife's name in my existing Car Insurance
My wife has Driving Licence first time in life ( not even in India )

I added her as an 'Occasional driver'

TD molex told me " without any extra premium " her name can be added

Good, wow !

But when I asked for any paper or documentation, they said NO NEED

TD Molex says she has to carry my Car Insurance papers & if at all involve in any accident/ticket etc, police will call me first to confirm if I own this car, insurance etc..

Is this the normal practice with any insurance company ?
Why they don't issue another paper with her name also like bank account ?

Any comments ?

... Why they don't issue another paper with her name also like bank account ?
________________________

You should get it in mail.
That is a common practice that any change whenever effected is followed with a confirmation letter.

-Ben

Quote:

---

Originally posted by benparsad

... Why they don't issue another paper with her name also like bank account ?
________________________

You should get it in mail.
That is a common practice that any change whenever effected is followed with a confirmation letter.

-Ben

---

Thanks Ben

But TD Molex is not sending any paper or pink slip ( which we called Insurance slip ) which shows Car Insurance is also on Wife's name too

That's why I am surprised

So now everytime wife is going to drive car, she has to carry Car Insurance slip or paper which is under my name

Quote:

---

Originally posted by m2611

Thanks Ben

But TD Molex is not sending any paper or pink slip ( which we called Insurance slip ) which shows Car Insurance is also on Wife's name too

That's why I am surprised

So now everytime wife is going to drive car, she has to carry Car Insurance slip or paper which is under my name

---

-----------------------------------------------------------------
Sanjeev Manocha, MBA
Real Estate Sales Representative
Accredited Buyer Representative (ABR)

Re/Max West Realty Inc, Brokerage
96, Rexdale Blvd., Toronto

Mobile: 416-843-7600
Office: 416-745-2300
http://www.manocharealty.com" rel="nofollow">LINK

Quote:

---

Originally posted by nishant3112

Quote:

---

Originally posted by benparsad

... Why they don't issue another paper with her name also like bank account ?
________________________

You should get it in mail.
That is a common practice that any change whenever effected is followed with a confirmation letter.

-Ben

---

Hello everyone...

I had another question about Car Insurance...as anybody removed the collision coverage cost from the insurance and have been involved in collision?

I just removed this from my car insurance. Although it has got me substantial savings in the premiums, my wife is scared as to what I have done is right or wrong in terms of if I ever happen to be involved in a collision..

any fellow desi would like to share his story or experience?

thanks

---

-----------------------------------------------------------------
Sanjeev Manocha, MBA
Real Estate Sales Representative
Accredited Buyer Representative (ABR)

Re/Max West Realty Inc, Brokerage
96, Rexdale Blvd., Toronto

Mobile: 416-843-7600
Office: 416-745-2300
http://www.manocharealty.com" rel="nofollow">LINK

Quote:

---

Originally posted by sanjeevm

Quote:

---

Originally posted by nishant3112

Quote:

---

Originally posted by benparsad

... Why they don't issue another paper with her name also like bank account ?
________________________

You should get it in mail.
That is a common practice that any change whenever effected is followed with a confirmation letter.

-Ben

---

Hello everyone...

I had another question about Car Insurance...as anybody removed the collision coverage cost from the insurance and have been involved in collision?

I just removed this from my car insurance. Although it has got me substantial savings in the premiums, my wife is scared as to what I have done is right or wrong in terms of if I ever happen to be involved in a collision..

any fellow desi would like to share his story or experience?

thanks

---

Hi,
'Collision portion' of your insurance covers you for any 'at fault' accidents meaning if you hit the car in another car, you are at 100% fault and your car is total loss you won't get anything since you have no collision coverage but you would still get the accident benefits and medical benefts. BUT if the accident is not your fault, you will get the car repaired or the money because not at fault accidents are covered under DCPD portion of your policy.
So try to avoid any 'at fault' accident.
Remember: Single vehicle accidents are 100% at fault accidents mostly and insurance companies do not consider anything like: Weather was bad or road was slippery or it was snowing and I could not see the road and hit the railing etc. etc. etc.

---