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Technically yes and no. While they can't actually add the driver, they can rate the insurance coverage as if that person would be driving a vehicle. For example, if you had a child who had just gotten their license, and you named them as an excluded driver of your vehicle, yet they somehow managed to get into a small wreck and have to file a claim, your insurance carrier would likely deny the claim on the basis that the driver was excluded, as well as rate your policy as if they were going to be driving the vehicle, without actually adding them.

Moral of the story... don't lie to your insurance company.

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Q: Can an insurance company put someone on your insurance without your permission?
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What can you do if someone put insurance on you without your permission?

What can you do if someone put insurance on you without your permission? I I have so many people that want me dead and someone told me to check to see if maybe they have a life insurance policy on me. who do I contact to see.


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Will your car insurance pay for the car that your son hit even though he is not on your insurance?

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If your car was lent to someone with a restricted license without your permission resulting in an accident and they are covered under their parents insurance who's insurance should pay?

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If you don't have car insurance and was hit by someone else can you sue them and the insurance company?

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