Navigating the world of auto insurance can be confusing, especially when determining who should be included on your policy. As the designated policyholder, you must understand which members of your household to add, along with other drivers who may use your car. In this post, we'll break down the key individuals who need to be on your auto insurance policy and how it affects your coverage.
Members of Your Household
The primary people to include on your auto insurance policy are licensed drivers who are members of your household. These are the people you share your home with, and typically, they have access to your vehicles. Additionally, some of these drivers may have auto insurance policies and vehicles of their own but occasionally operate yours. This is a brief list of members of your household to include:
- Spouses/partners
- Teenage children with licenses
- Roommates
- Other family members that live with you
Listing these people on your auto insurance policy ensures they have protection while driving your vehicles and helps prevent any potential coverage issues in the future.
Rated vs. Listed Drivers
When adding household members to insurance, policyholders should differentiate between rated and listed drivers. Rated drivers are those who regularly use your vehicle and whose driving records impact your premium. Listed drivers, however, are on the policy but don’t affect the premium. You need to include both types to provide an accurate risk assessment for the insurer.
What About Non-Drivers?
Even if some household members don't drive, they often need to be on your policy. This includes members of your household who don’t have a driver’s license and those who don’t intend to drive in the future. You can officially categorize these people on your policy as “non-drivers.”
Those Not in Your Household
There are certain instances in which including a person who doesn’t live with you on your auto insurance policy could be beneficial. Here’s a short summary of possible scenarios where this could happen:
- Frequent borrowers: If you have friends or relatives who regularly borrow your car, you should mention them on your policy.
- Caregivers: If caregivers often drive your vehicle for caregiving duties, include them on your auto insurance to ensure coverage in case of an accident.
- Children in college: If your child has moved out of the house for college and intends to drive your car when they visit, they should be on your policy.
Understanding who needs to be included on your auto insurance policy is crucial for maintaining proper coverage and avoiding potential financial pitfalls. Make sure to include all licensed drivers in your household and people who may frequently borrow your vehicle.
When it comes to Long Beach car insurance, rely on Saferoad Insurance for high-quality coverage to meet your specific needs. Learn more today and drive with confidence, knowing you have protection.