<p>I’m not sure what not needing to list people on a policy means either. In order for our kids to be covered, we had to add them when they became permitted/licensed drivers. Two have lived out of the county and were taken off the policy. When they came home for visits, I had to readd them, even for a 2 week stay, or they would not have been covered. We have one of the highest rated insurance companies, so I’m going to go by what they consistently tell me - licensed drivers in the household must be listed on the policy. Occasional drivers are people like relatives visiting that borrow the car or letting a friend or neighbor use it - not a someone living in the household for an extended period using it regularly.</p>
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<p>Steve, in fact I did call my insurance agent, back when my D got her license. Like kleibo, I found that they REQUIRED notification. Our rates went up to reflect that. We could not have failed to notify, and then filed a claim on her as a “permissive driver,” at least not without committing fraud. </p>
<p>Obviously we all know that “permissive driver” coverage is standard. Where the problem comes in is determining who is a “permissive driver.” Generally this is defined as someone who doesn’t live in the house, and won’t be driving the car regularly – not someone who is living in the house and using the car every day. This is especially true where disclosure of all drivers in the house is required, as in my state and kleibo’s. Again, it is important for the OP to contact HER insurance company to see exactly what’s required by HER carrier in HER state for HER policy.</p>
<p>Ok, but the difference is this girl is COVERED ON ANOTHER POLICY. Yes, you have to notify your insurance agent when your child is licensed and since they are the only policy they are covered on they get RATED on a car. Our DD isn’t rated on any car we have because we have 5 drivers and 3 vehicles and boys are a “greater risk” so we have to rate them. No where on our actual policy, however, do you see ANY of the kids’ names, anywhere. They are NOT LISTED on the policy, they are covered on the policy. That is a big difference. I work in the insurance industry and deal with this stuff every day, how about you?</p>
<p>Steve are you sure you put all three kids are down as driver? That you are paying to insure all 5 drivers. Why would the insurance company not rate the third car with you dd? I am sure they would rather use her age and driving record more than you or your wife.</p>
<p>Also since your dd is no longer living with dad, he may remove her from his insurance.</p>
<p>mom-positive. Since the kids only need to be rated on one vehicle. They rate DH and I on one car each and our 17 year old S on our 3rd car. They don’t need to rate the riskiest drivers on all cars, just one of the cars. When we only had 2 cars our S was rated as an occasional driver on the second car, about 1/2 the premium as being a primary driver. They have everyone’s name, birthday, etc. They know who is living here and who drives our cars, etc. It is just the way it is done. We pay about $280/month for the 3 vehicles, all with full coverage.</p>
<p>SteveMA, iamcurious what you consider to be full coverage. $25,000 total for an accident victims? I really am amazed you spend so little for three cars.</p>
<p>No where on our actual policy, however, do you see ANY of the kids’ names, anywhere. They are NOT LISTED on the policy, they are covered on the policy. >></p>
<p>We have lived in three states since we have had teen drivers, one of them twice, and the policies ALWAYS have all the names listed, as well as the ages and license numbers. I bet it varies by state what shows on the policy, like most other things do with insurance. We have five drivers and three cars, and all five drivers show.</p>