Young Driver Insurance Charleston, West Virginia WV
Reader’s Question:
We have non relative teenager in my household and she does not own a vehicle, am I required to place her on my car insurance in Charleston, WV if she has a drivers license?
Lane
Charleston, WV
Yes, most insurance carriers will require you to list the non-relative household member on your car insurance policy as a driver if she is a licensed driver. Normally, all licensed household members are required to be added as a driver or excluded on a car insurance policy by the insurance company not by state laws.
If you have a licensed household member in Charleston, WV, whether a roommate, or a relative etc, the insurance company believes that the individual will have access to your car and thus is a rating factor that should be on your auto insurance policy. If this individual is never going to drive your vehicle then you can check if your insurance company will permit you to exclude her. When an individual is excluded from an insurance policy it means that they will not be extended any insurance coverage even if they are driving your vehicle in an extreme emergency they would not be covered by your auto policy coverages.
Tags: auto insurance, teen insurance, Young driver car insurance