Auto insurance policies come with a list of rules and regulations. It is essential to understand how your policy works to avoid being dropped from your insurance or having claims denied.
Adding Household Members
Most insurance companies require you to add all household members of driving age to your policy, even if they do not have a driver’s license. This includes teenagers who have recently reached driving age. However, you can add drivers as excluded drivers. Excluded drivers typically do not impact your insurance policy. Speak with an agent at Pizano Insurance to understand how adding specific drivers may affect your policy and premium.
Companies Vary
It is important to note that insurance companies vary in their approach to this policy. Some may automatically add household members once they reach a certain age, which could lead to an increase in premiums unless they are excluded drivers. Additionally, some companies may not allow you to exclude certain drivers. Always consult your insurance provider to ensure you understand how your policy applies to children and other household members.
Why Is This Necessary?
This rule may seem minor, but it serves several important purposes. Adding all household members ensures that a driver is not involved in an accident without insurance coverage. For example, if someone uses your car for a quick trip and they are not listed on your policy, they could get into an accident. This could result in penalties for you and a higher monthly premium. It is also illegal.
Insurance companies will work with you to ensure you meet the necessary requirements. Contact an agent at Pizano Insurance to learn more about our services. We proudly serve the Wayzata, MN area.
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