If you don’t add your child to your auto insurance once they’ve gotten a learner’s permit or driver’s license, you could face problems filing a claim, keeping discounts, or maintaining your auto insurance policy altogether if something happens while they’re driving your car. Your car insurance company could even demand a lump sum of back payments for the premiums that should have been paid since your child has been able to drive. Not listing such a driver on your policy could be considered material misrepresentation.
On the other hand, babies, toddlers and young children are automatically covered on car insurance policies while they live with their parents, so nothing will happen to you if you don’t add your young children to your auto insurance.
Similarly, if your child is “financially independent,” according to your insurance company’s definition, or doesn’t live with you anymore, you don’t need to add them to your policy, and nothing happens if you don’t. Your child will be covered automatically if they only drive your car from time to time, under what’s called “permissive use.” This covers adult children and other family members who don’t live with you, as well as friends, neighbors, caretakers and others who may drive your car occasionally.
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