My auto insurance covers anybody who drives my car...is my teen covered? I cannot afford to list him....?

Question

Me and my teen have a car. I have both cars listed on my insurance with full coverage. If he is not covered is there an insurance company that will cover a driver of his age without listing him?

Answer 1

Trying to scam the insurance company by not listing your son is extremely risky. If he does manage to wreck one of your cars, you may find yourself not covered at all. If he is the primary driver of the car and you get caught without insurance, you could get in even more trouble. I am not sure what state you are in, but even having him pulled over and not be able to prove he has insurance could get you and him into huge trouble.

When I was young and dumb, I tried to get over on my insurance company by signing up for a non-owner liability policy. I did that because I couldn't afford insurance on my high risk car (VW GTI). I got in a minor accident and the people from the other car tried to submit a claim. My company wouldn't pay, and I had to fork over my savings (goodbye trip to Europe) to pay for the damages to the other person's car.

Believe me, they have all the bases covered. If you thought of not listing your son, 1,000,000 people thought the same thing, and the insurance companies already know the deal.

They probably have entire rooms full of people who look at every single way they can control their risk.

Good luck. It can be expensive to let a teen have a license, but it's expensive for a reason.

Answer 2

Not really.

If it is his car, and he is the only driver, it must be insured under his name, or at least with him as the full time driver.

Every insurance company is different, but mine allows me to have someone not on the policy drive the car once a month. Anything more than that is classed as a regular driver.

If he drives the car every day, and its insured with you as the owner/driver, the insurance company is within its rights to refuse a claim.

Do the right thing and add him on the policy. If between the two of you, you cant afford to add him to the policy, i'm sure you cant afford to pay for someones damages if he runs into them.

Answer 3

Well something similiar happend to me. My mom bought me a new 07 mustang and being 19 the rate was about $350 with our normal insurance agency. However, we changed to geicko (no kidding) and it turned out to be $90. As far as the name being listed i believe you HAVE to list your child's name. Atleast thats what the giecko agent said.

Answer 4

I doubt it. For your own protection, you should call (or have someone else call) your insurance company. There have been changes over the years and many companies now require you to list any person living in your house that has a drivers license. Even if they do not drive your cars. You may find that this is in the "small print" when you are issued a new policy each year. Not seeing it does not release you from knowing about it. If he is required to be listed, and isn't, and has an accident, the company could refuse to pay and you could be charged with allowing an uninsured driver to operate your car.

Answer 5

Any licensed driver living in your home must be listed as a driver on at least one vehicle. If not, they need to be excluded on the policy from driving any vehicle.

Answer 6

of course it depends on what package you get but american family insurance covers  teen driving with no extra charge.

Answer 7

If you have a teen with a valid license that lives in your household then he/she will be covered (by law) in case of a claim.  The insurance company insists that you notify them that your teen now has a license. Your rates  will increase but they will increase even if your teen doesn't ever drive your car.  The theory is that since they MUST cover anyone who has access to the keys,They  insist that you notify them that your teen now has a license.  If you don't notify then and they find out (and they will find out), they will go back to the day that the teen got their license, bill you extra for that and then they may cancel you.

Answer 8

all I can suggest is for u to just add him as a driver or just let him have his own policy separately. and let him get a job and pay his part of the insurance during the month and divide his payments up equally to suit his budget that is the best option I can give to u.