Throughout the insurance industry, we are seeing insurance companies exclude non-listed household drivers from coverage in a claim situation. Therefore, we wanted to stress the importance of making certain that your policy is current and up-to-date with all household drivers listed on your personal insurance policy.
Not listing a driver on insurance can lead to coverage disputes, claim denials, policy violations and potential penalties like fines or license suspension.
When a driver is not listed on a car insurance policy, it can have significant consequences both legally and financially. Insurance policies require accurate and up-to-date information about the drivers who will be operating the insured vehicle. Failure to list a driver can result in coverage limitations, claim denials, and potential legal issues.
Not listing a household driver on your insurance policy can significantly impact your coverage. If an unlisted driver causes an accident, your insurance company may deny the claim, leaving you responsible for damages and repairs. This can lead to substantial out-of-pocket expenses and potential legal issues.
Additionally, failing to disclose all drivers can result in policy violations. Insurers may increase your premiums, impose penalties, or even cancel your policy altogether. Ensuring all regular drivers are listed helps maintain proper coverage and protects you from these financial and legal risks.
Most car insurance policies include what’s known as “permissive use” coverage. This implies that if you give someone permission to drive your car, your insurance will typically extend to cover them as long as they:
However, the coverage limits might be reduced for drivers who aren’t explicitly named on the policy. It’s important to check with your insurance company to understand the specific terms of permissive use in your policy.
All of us here at Langlois Insurance Agency want to make certain that you – and your vehicle – are properly covered. If you need to add or delete any household drivers from your policy, please don’t hesitate to give any of our licensed Insurance Agents a call at #815-485-2106. Or, you can quickly send an email with this information to customersupport@langloisinsurance.com
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