Who Should Be Listed on Your Auto Policy?

Understanding who should be included in your auto insurance policy can help prevent potential problems with coverage and claims.

The following situations warrant careful consideration when deciding who should be listed on your auto policy:

• Teenage drivers—Add teens to your policy as soon as they can legally drive to ensure they are adequately covered. Insurance rates for young drivers can be higher due to their lack of experience, so it’s crucial to compare quotes to get favorable rates.
• Roommates—If your roommate drives your car, they should be listed on your policy. Otherwise, coverage may not extend to them in case of an accident.
• Employees—If you use your vehicle for business purposes and have employees who drive it, they should also be listed on your policy. You should also ensure your auto coverage extends to work-related activities.

Your agent can help you navigate these situations and determine whether adding certain drivers makes sense for your situation.

Primary Drivers on Auto Insurance Policies

The primary driver of a vehicle is typically the person who uses it most frequently. This individual should always be listed on the auto insurance policy. It’s a legal requirement to accurately identify and list the primary driver on the insurance policy in many states.

Additional Drivers on Auto Insurance Policies

In households with multiple drivers or vehicles, it’s essential to consider who else should be listed on the auto policy. Spouses, children or other family members who use the insured vehicle should be listed to ensure coverage in case of an accident. Your insurer may require all licensed drivers in your household to be included as named drivers in your policy.

Contact Us

Contact AMCO Gulf LLC in Houston, TX, to review your current auto insurance coverage and get personalized car insurance quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.