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Your auto insurance automatically covers all family members that live in the household. However, by not listing your spouse as a driver you have not disclosed all the licensed drivers in the household, which is one of the questions on the application. Since the premiums you have paid did not reflect all the correct information, the insurance company may back charge you premium for not having him/her on the policy.

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Q: If your spouse was not listed on your policy and had an accident in your vehicle that has full coverage does your policy cover repairs on it?
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As the registered owner of a vehicle with insurance what happens if your son is involved in an accident with your vehicle if he lives with his mother and is listed on her policy?

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