Your auto insurance premium is partially determined by the drivers that are listed on your policy. Having sufficient car insurance gives you a front-line defense if an accident occurs.
Who should be listed on your insurance policy?
- Everyone in your household that is licensed should be a listed driver. This includes both family members and non-relatives. If a licensed driver is not listed, expect the insurance company to ask about them. Insurers obtain reports that list potentially undisclosed drivers.
- A newly licensed teenager should be added on your insurance policy immediately. Giving consent for your teen to obtain a license makes you legally responsible for the young driver. The insurance company also requires they be listed drivers, so contact your agent to add them to your policy.
- A newly licensed permitted driver who has the ability to drive without a parent or guardian (such as a school permit) is also required to be listed on your policy once the permit or license has been issued
- Anyone driving your vehicle on a regular basis that are not a household member could have a gap in coverage. This should be discussed with your agent to make sure that driver is covered properly.
Talk with your local IMT agent about your policy and listed drivers.
Copyright 2021 IMT Insurance