My daughter received her learners permit and I went to disclose it to the insurance company. Agent came back to say the underwriter will not allow her to be added to the policy due to her lack of experience driving. What other options do I have to cover her while driving our family vehicle?
What are my options if insurance carrier refuses to add my teen daughter to family auto policy?
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482Actually, at least here in Connecticut, only licensed drivers need to be added to your policy. Your daughter just has her learners' permit so as such is not yet a licensed driver. I happen to represent Nationwide and our auto policy automatically covers our clients and their children as they are learning to drive the family car(s). I think that perhaps your agent just needs to check the terms and conditions of your particular policy. You did the right thing by being proactive and advising your agent that she is learning to drive.Answered on February 19, 2015flag this answer
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaAll licensed drivers must appear named on your auto policy. If a company refuses to insure your vehicle if a particular driver operates the vehicle, they do that by offering exclusion. Coverage is suspended if that driver operates that vehicle. We often have drivers who are excluded and we secure coverage with another company that does insured such drivers making that driver the primary driver on one of the cars.Answered on February 20, 2015flag this answer
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