Do I have to tell my insurance company about my teenage driver?
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The most important thing is to be honest with your insurance agent, to protect yourself and loved ones. Most insurance policies require that you list all drivers in your household, as well as family members who are planning to get a driver’s license with the next year. It’s a common mistake to not disclose future drivers. Failure to list these members could result in policy cancelation. Give all the facts to your insurance agent, or this is considered Material Misrepresentation. The insurance company can scan your application, and any misrepresentation can void coverage. If you forget to list your future driving teenager, then when they drive, and have an accident, the owner can get sued for this accident. The insurance company can then issue a letter to void coverage. When you go to the doctor, a small complaint could lead to something unknown as far more serious. It’s always best to be upfront and honest. As attorneys, we are relying on the information provided to us, in which to base our opinion.
