1. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    All drivers on your car insurance policy have to be listed...although not necessarily rated. For example, all family members that are licensed, and live in the household, typically must be rated. That is, they are assigned to a specific vehicle as a principle or occasional driver. Of course, they can usually drive any insured vehicle in the household.

    "Family" car policies are quite prevalent, and offer very flexible coverage.

    Occasionally, a driver that is a full-time household member has their own car and their own insurance policy. In these situations, although they may be listed on the family policy, that person and their vehicle are not charged. However, if the insurance lapses on that vehicle, then it is possible that they will subsequently have to be rated on the main family policy.

    Important: This answer was provided by Edward Harris, one of the leading US authorities on auto insurance rates, and the owner of Carinsurancezoom.org, the premier trusted website for obtaining the lowest auto insurance prices in all states.
    Answered on May 26, 2015
  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    The type of auto policy most consumers have is a family auto policy. Thanks to sophisticated data collection, insurers have a pretty good idea of the drivers who list the address of a vehicle as their own address. When the application is being prepared the information on the known drivers in the household appear and the named insured must identify any additional drivers in the household. The driver’s names then appear on the insurance policy. If the primary insured fails to identify a driver living in the household and there is a subsequent accident of an insured car when it is driver by this undisclosed driver, it creates enormous problems and could bring up legal issues.
    Answered on May 26, 2015
  3. 21750 POINTS
    Jim Winkler
    CEO/Owner, Winkler Financial Group, Houston, Texas
    That is a great question. The short answer is they do if they want to drive one of your cars. Your family coverage will only require that the drivers are named as drivers in your household. There are always very unpleasant consequences when uninsured drivers are caught, so whatever the added expense is, I'd bet it's less than the price you'd pay otherwise...Add them, and don't take the chance. Thank you for asking!
    Answered on May 27, 2015
  4. 97 POINTS
    herb nease
    agent owner, shelter insurance,
    Every driver must be shown on the policy as a driver if they have a license or permit. Some states like Missouir will allow you to exclude the driver from your policy if you dont want to pay the premium for that driver. Just remember that if the exluded driver has no coervage on any of your covered automobies. in kansas we cannpot exclude a driver from your policy so we must either rate them as a driver or the insured will need to find another carrier to provide coverage for them. We would still need to rate the driver even if he or she gets insurance with another carrier.
    Answered on June 3, 2015
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