Reader’s Question:

Am I obligated to inform my insurance company that my teenager son just received his license?

Rain

Thank you for asking Rain.

NY state statue may not require you to inform your insurance provider that your teenager son received his driver’s license but it likely that the terms and condition in your policy of your insurance provider may require you to notify them. Most insurance provider mandate that their policy holders inform them of all licensed members within their household.

According to the New York Department of Insurance, you should inform your insurance provider of any changes that may happen while the policy is in effect, including the addition of a licensed driver in the household.

An insurance company, by law, must change your premium if it discovers certain information (e.g. other persons operating your vehicle) that may affect the rating exposures. If the insurance provider finds out by other means that your son is a licensed driver in your household and is not listed, it could cause you problems in the future if you did not inform them.

Goodluck!

MariCAR