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Do i have to add my teen to my insurance if he is covered by his own policy?
Wiki User
∙ 12y ago
Your auto policy will state that you have to list all residents in the home as well as any regular drivers of your vehicles. The only way the insurance company may allow you to not list the driver is if you agree to sign an exclusion which is an amendment to the policy where both parties agree that if the excluded driver is operating any of the vehicles then no coverage is provided for the vehicle is any manner. I always caution my clients about signing exclusions because that means they can't drive for any reasons including emergencies, backing it up in the driveway, etc. Besides it is usually cheaper to put the teen and their vehicle on the family policy so they will get multi-car discounts and all the other discounts. If they are on the family policy they are also covered driving any of the vehicles in the house. From the insurance company standpoint since they are able to drive any vehicles with coverage they must get an exclusion signed because they aren't getting any premium just because the teen has his own policy with another company.
Wiki User
∙ 12y ago
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