Typically insurers will allow you to add licensed individuals such as : children, spouses, domestic partners, other residential drivers etc. If you fail to add someone who should have been rated on the policy that can pose some significant issues. When in doubt contact your agent and ask him or her about what you have in mind. Insurers typically like to have persons who drive the vehicle added to the policy for two reasons 1) it helps establish an adequate pricing level and 2) it allows them opportunity to monitor their driving behavior.
One other thing to consider is when you hand over the keys to someone else, you are generally creating permissive use. Make sure of two things, 1) the person who will drive has a valid drivers license and 2) they do not appear to be in any form impaired by drugs ( illicit or prescription) or by alcohol .
.JPG){kind=avatar}
One other thing to consider is when you hand over the keys to someone else, you are generally creating permissive use. Make sure of two things, 1) the person who will drive has a valid drivers license and 2) they do not appear to be in any form impaired by drugs ( illicit or prescription) or by alcohol .