Car insurance covers the damages inflicted to both the vehicle and the driver. However, your claim might be denied if the person driving is not listed on the car insurance. This is why you should list everyone who may drive your car. Some insurance companies may list everyone living with you who has a license by default as the drivers, but even people outside your house may also drive your car frequently. Here are some drivers that you need to make sure is listed on your policy.
1. Your parents
Aside from avoiding your claims being denied, it is also important to list your parents as drivers because as people age, they won’t drive as well anymore, and they’re more likely to get into accidents. If your parents have their own car, then there’s no need to list them, you just have to make sure they have their own insurance.
2. Teenagers who just got a license
Teenagers are more prone to accidents compared to adult drivers. This is why it is important to get insurance for both physical injuries and damages to your car. Whether your children live with you or not, if your children drive your car time to time, it’s best to have them listed on your car insurance policy.
3. People who borrows your car
You don’t have to list people who borrows your car as a driver to your policy, because even if they do get accident, it will still be covered by the insurer, as long as they have a driver’s license. However, accidents that are done by the people borrowing your car may cause your premium to go higher.
4. Grown up children who lives with you
If your children are grown up but is still living with you, or due to some circumstances decided to live with you again, you have to list them as a driver in your car insurance policy. If they are not listed as a driver, same like for your parents, your claims might be denied by the insurer.
5. Your Caregiver
If you have a caregiver driving you around, you have to list them as a driver in your policy, or even as a primary driver if you don’t have a license anymore. You will still have to be the one insuring your car, because you’re the one financially responsible if something happens to the car.
Listing drivers are important so your claims won’t be denied when something happens to your car. However, listing high-risk drivers might cause your premium to go up to a certain amount depending on the insurer. Make sure that you have an insurer that can provide the best rates.
At American Trust, we work hard to make sure that our clients are well-protected with policies that they can afford. To learn more about how we can help you, please contact our agency at (305) 270-2220 or Click Here to request a free quote.
Aside from avoiding your claims being denied, it is also important to list your parents as drivers because as people age, they won’t drive as well anymore, and they’re more likely to get into accidents. If your parents have their own car, then there’s no need to list them, you just have to make sure they have their own insurance.
2. Teenagers who just got a license
Teenagers are more prone to accidents compared to adult drivers. This is why it is important to get insurance for both physical injuries and damages to your car. Whether your children live with you or not, if your children drive your car time to time, it’s best to have them listed on your car insurance policy.
3. People who borrows your car
You don’t have to list people who borrows your car as a driver to your policy, because even if they do get accident, it will still be covered by the insurer, as long as they have a driver’s license. However, accidents that are done by the people borrowing your car may cause your premium to go higher.
4. Grown up children who lives with you
If your children are grown up but is still living with you, or due to some circumstances decided to live with you again, you have to list them as a driver in your car insurance policy. If they are not listed as a driver, same like for your parents, your claims might be denied by the insurer.
5. Your Caregiver
If you have a caregiver driving you around, you have to list them as a driver in your policy, or even as a primary driver if you don’t have a license anymore. You will still have to be the one insuring your car, because you’re the one financially responsible if something happens to the car.
Listing drivers are important so your claims won’t be denied when something happens to your car. However, listing high-risk drivers might cause your premium to go up to a certain amount depending on the insurer. Make sure that you have an insurer that can provide the best rates.
At American Trust, we work hard to make sure that our clients are well-protected with policies that they can afford. To learn more about how we can help you, please contact our agency at (305) 270-2220 or Click Here to request a free quote.
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