Do you have any young children that are licensed living in your household?  Even if they don't have a vehicle and rarely use yours- once they are licensed they are required to be listed as a rated driver on your auto insurance policy.  

  • Listing your child on your auto policy will give them "proof of prior" insurance and help them in the future when they go to get their own coverage- even if they don't have a car on your policy.  
  • Insurance companies may backdate adding them to the policy the day they received their license, resulting in a high bill due at one time. 

Just recently, we had an insured who called to add their son and a "new" car to their auto policy.  When the company ran the Motor Vehicle Report (MVR) and found out the son had received his license over a year ago, they backdated the coverage adding the son when he was initially licensed- resulting in a hefty bill due.

Insurance companies want to know every household member that may have access to your vehicle or your car keys- even if they have their own insurance.  This includes roommates, boyfriend/girlfriends, and youthful drivers. 

Need to add a youthful driver or have questions on your policy?  Contact your account manager today, or call our agency at 716-631-0190.  Remember- we work for you, not the insurance company.  We can help you navigate any questions you may have and make sure you do things the right way.

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