Is my licensed daughter covered on my insurance if she's not named as a driver on any particular car?

Question

All the vehicles have coverage, she is 17 and lives at home with us in Illinois. She drives the car once in a while, does she still need to be named on the insurance policy as a driver of one of the cars, or is she covered because she's a licensed family member living with us and having our permission to drive an insured vehicle?

Answer 1

Yes, she's covered, but you need to add her to the policy. She's considered an insured because she is a resident relative, and the policy considers you, your spouse, and resident relatives of the household as automatic insureds.

Answer 2

Any driver over the age of 15 with a valid drivers license should be added to your policy. If they are not and something happens, they will cover the claim but they are going to pro rate the policy as off the inception date of your insurance before they cover it. Now if you want to avoid the hazzle, have her insure only one of the vehicles in her name. Then if she drives any other car in your household she will be covered because she has her own insurance. She won't be considered a big liability.

Answer 3

It is the law if your children have a license and lives with you and does not have her own insurance she has to be on your insurance as a driver to be covered. Do you really want to risk being sued? You have to inform your insurance that she is driving your cars if they do not know this they will not cover her. Because she is 17 she will be considered high risk insurance. As far as being covered just because she lives with you that is not true. If her name is not on the policy she will not be covered

Answer 4

Yes, while living at home she needs to be either named, or excluded as a driver. Of course if you exclude her, she couldn't drive your car. Call your agent and add her.

Answer 5

in case your daughter isn't on your coverage, your coverage will conceal you (in Canada in any case). The twist of destiny will flow on your daughter's checklist on account that her liscence connects to her no longer you. A declare is a declare no count whose fault it somewhat is. The no fault regulation is loopy. the only time fault concerns is for suing. Your coverage will fix your vehicle like it replaced into you interior the twist of destiny.

Answer 6

She will be covered unless you put in your policy as an "Excluded Driver".

Answer 7

phone your broker they can tell you for sure