What Happens If You Fail To List Teen Driver In Your Policy?
Reader’s Question:
My teenage son has a driver’s permit and he is already listed on my auto insurance policy here in Maryland but I’m not paying additional fee for it yet until he gets his license. What happens if I fail to inform the insurance company that he already has a license and he gets into an accident?
Nestor
Wheaton-Glenmont, MD
You must let your car insurance company in Wheaton-Glenmont, Maryland once your teenage son already has his driver’s license. But if you fail to do that and your son gets into an accident, it would be unlikely that the car insurance company would deny your claim, assuming that your son got his license after the effective date of your car insurance policy. But still, the car insurance provider could charge you back on your premium rates for your teenage son from the date he got his driver’s license.
However, if your teenage so got his driver’s license before the renewal of your car insurance policy and you forget to inform your car insurance provider about that, the circumstance would be less clear. A lot of jurisdictions may consider that a misrepresentation of a material fact and would allow the car insurance company to deny your son coverage in case of an accident. The sure way to take is to let the car insurance company know as soon as your son begins to drive and have his own license.
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