Why do I still have to add my teenage child that is living with me to my auto insurance if the car is covered no matter who use it?

Helen

Kansas City, KS

Most insurance providers require all licensed household members be listed on your car insurance policy. Since this individual has access to the cars of the house they are a risk factor that insurance providers are allowed to include in their rating calculations.

Not all insurance policies provide coverage to anyone that operates the vehicle. Policies can have motorist exclusions. These exclusions can apply to those under a certain age (teens or under 21 or 25 for instance), those driving under the influence and unlicensed drivers to name a few.

Insurance providers therefore require you list your teen since he or she resides in your household and is a risk factor to them. Most state laws allow an insurance companies to consider all resident operators of an insured car in rating of an car insurance policy. This includes your teenage child, even if he or she has only a learner’s permit and especially when they have a full driver’s license.