Young Driver Insurance Fort Wayne, Indiana IN
Reader’s Question:
Why do auto insurance companies in Fort Wayne, Indiana ask about young licensed drivers in the household even if they don’t drive the car? I gave my sisters name and the auto insurance agent told me that she would be excluded from my insurance policy. Why?
Hart
Fort Wayne, Indiana (IN)
Insurance providers in Fort Wayne, Indiana want to know about all licensed household members , young or old, so they can determine their potential risks for having you and these licensed drivers covered by your auto insurance policy. When you buy auto liability insurance there can be a vicarious risk assigned to the insurance provider to cover all household members. Many insurance providers will require that you either add licensed drivers in your household to the insurance policy or exclude them. The reason for this is that as household members it is assumed they have access to your cars and may drive them at any time.
Excluding your sister from your auto insurance policy would mean that you are not paying extra on your car insurance policy to have her as a driver and thus she is not extended any insurance coverage by your insurance policy if she were to operate your vehicle and be in an accident.
Tags: auto insurance, teen insurance, Young driver car insurance