AUTO, HOME, MOTORCYCLE, WATERCRAFT, CAMPER/RV, & ATV QUOTES

You need to list everyone in your household on your auto insurance policy because insurance companies need to know about all licensed drivers living with you to accurately assess your risk and calculate your premium; if someone not listed on the policy gets into an accident while driving your car, your insurance company might deny the claim, leaving you responsible for the costs. 

***Key points about listing household members on your auto insurance***

-Accurate risk assessment:

By knowing all licensed drivers in your household, the insurance company can properly evaluate the potential for accidents and set your premium accordingly. 

-Claim denial risk:

If a household member not listed on your policy drives your car and gets into an accident, your insurance company may refuse to cover the claim. 

-Legal requirements:

In many states, it's a legal requirement to inform your insurance company about all household members who regularly drive a vehicle. 

-Things to keep in mind:

Sometimes this can lower your rates, of course it can also raise your rates. These drivers can excluded but must be listed as a household member. Remember, excluding  a householder driver means that if they are involved in an accident in your auto they will not have coverage and the damages can be denied by the insurance carrier due to an unauthorized driver operating the vehicle. This can deny your liability entirely and your and the unauthorized driver will be responsible for any damages that may occur, including your loan payout if applicable.