Not Adding Your Child to Auto Insurance FAQs
Is it legal to not add my child to my car insurance?
Technically, it's legal to not add your child to your car insurance. However, you are obligated to disclose all regular drivers of your vehicle to your insurance company. Failing to do so can be considered misrepresentation, which could lead to policy cancellation and legal trouble.
What happens if my child gets into an accident and isn't listed on my policy?
The insurance company will likely deny the claim, leaving you personally responsible for all damages. This includes repairs to your car, the other driver's vehicle, and any medical bills.
Can I add my child later after they already start driving?
Yes, you can. However, the insurance company may charge you back premiums for the period they were unlisted. Additionally, your rates might increase, as young drivers generally raise the risk associated with the policy.
Does it save me money to not add my child?
In the short term, it might. But the potential consequences of an uninsured accident can be far more expensive, both financially and legally. Remember, the cost of premiums is much lower than the potential costs of an accident.
What happens if my child only drives occasionally?
Even occasional driving without insurance exposes you to significant risks. Discuss options with your insurance company for occasional driver coverage or consider a separate policy for your child if they drive frequently.
Are there any alternatives to adding my child to my policy?
If your child has their own car, they can get their own insurance policy. It might be cheaper than adding them to yours initially, but their rates will likely be higher due to their age and driving experience.
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