secondary driver vs family members?

Question

My auto insurance requires me to provide the names of all family members who own driver licenses and live in the same address. This come at no extra cost.

Does this mean they are insured? If so, each of my family members will be insured under MORE THAN ONE policies?

And if they are insured, what's the difference between seconday drivers and family members?

btw... I need to provide their policy #'s too... does that mean they will be insured under muliple policies (their own insurance policy and mine)?

If my sis is listed as family members under my policy but not my brother's insurance, is she allowed to drive my brother's car ?

Answer 1

Family members listed on the policy would fall under the definition of "insured" if they were using your car as your agent or with your permission. Although they aren't "rated," the insurance company needs to know for risk (who has access to the vehicle) & claim purposes.

Most states rule is "insurance follows the car." If they are driving YOUR car, YOUR policy is primary, their policy would be secondary coverage. In the event they were at fault for an accident, whatever YOUR policy didn't cover, theirs might. This usually comes into play if there's a property damage limits issue: you carry $10K but the damage is $50K--yours would pay $10K, there's would pick up the difference up to the limits of the secondary policy.

My suggestion, upon receipt of your policy read BOTH the definitions of "an insured person" as well as the exclusions. Every carrier is different...the carrier I work for, our definition is:

A resident relative whose name appears on the dec page.....
or
A non-resident relative driving with YOUR permission

Answer 2

Ok, let's break this down as simply as possible.
A person doesn't have to be a listed driver to qualify as an insured under the policy.
The policy usually says a person insured is you, your spouse, and resident relatives of your household and anyone driving with your permission. In addition, occupants of your vehicle could be insured as well for the purpose of medical payments or PIP coverage. This is regardless of whether they are listed. However YOU are the named insured.

Yes, technically if you give the insurance company all of their names so they can rate the policy for them, they could be "insured" under different policies, but that doesn't really matter. Your insurance company wants to be able to charge the right price for the risk. So if your brother drives the car and lives with you and is a horrible driver, they will be prepared for that and charge the right price. Occasional or rare drivers don't have to be listed. Anyone who lives with you is probably more than an occasional user in all likelihood. so they want to know that. While they are insured under other policies they are not the NAMED insured.

Secondary drivers can be anyone. You could have a roommate who drives your car as much as you do, and he's a listed or secondary driver. Surprisingly, however, this person would not automatically be the insured. He is not you, your spouse, or a family member. He may be insured when driving your car because he has your permission, but he may not qualify for all coverages that require the above listed relationships. Just something to keep in mind.

Answer 3

They want to know who is going to be able to have access to your wheels.If there is a 17 year old there they will raise your rates.Anyone who you let drive your car is already insured unless they don't have a valid drivers license.It's all under the same policy.

Answer 4

Anyone whose name is not on the registration is considered a secondary driver. If their driving record is bad and you tell the insureance company they are driving it, it may raise the cost of your insureance.

Answer 5

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Answer 6

all they want to know is possibly who all is going to be driving the car,and doing it with your permission,secondary means not in the family,and even if their insurance covers them yours will also,but you have to notify them that this person has been given permission to drive it,that's the way my policy states it,your,s may be a little different,good luck,hope this help,s.

Answer 7

These are questions to ask your insurance agent.

Answer 8

dodgeman is an idiot