You are here:

Auto Insurance Claims/16 year old driver

Advertisement

Expert: - 8/29/2008


Question
Do I  have to list my 16 year old on my insurance policy?  Would he be covered if he had an accident and was not specifically listed on our policy?  Also, can my 2 sons share a car and be listed as primary drivers on the same car?

Answer
Hello Loucinda,

I am sorry for the delay. Yeah, should have him listed on the policy? Will he be covered? It really depends on the exact policy language. They might require that he is listed AND he has a valid driver's license.

Most auto policies will cover him as long as he is a permissive driver, but some will require specific listing. Talk to your agent and see what your policy requires.

Primary drivers are usually important to calculate premium. Have the one that theoretically drives more be the primary, and have the other be the secondary. Two primaries can raise your premium quite a lot.

Good Luck,
Anne

Auto Insurance Claims

All Answers

Answers by Expert:

Ask Experts

Volunteer

Anne

Expertise

Auto insurance claims regarding vehicle accidents, insurance coverages, auto policies, bodily injury claims, pain and suffering, injury settlements and negotiations.

Experience

I am an adjuster for injury claims and property damage claims for over 5 years (still working there). I have worked for personal injury attorneys helping consumers get a fair treatment and I am passionate to help others with their vehicle accidents.

Education/Credentials
B.A. Economics/ Political Science

Awards and Honors
I was the top settling claims adjuster at the Insurance Company that I worked for.
I am the co writer of http://www.auto-insurance-claim-advice.com a website dedicated to help consumers document their auto claims and navigate the complex claim process.

Past/Present Clients
I work with injury lawyers working on high dollar settlements and jury awards for pain and suffering see: Spokane Law Office.

©2012 About.com, a part of The New York Times Company. All rights reserved.