Auto insurance companies are getting smarter everyday. They use complicated programs to take every little detail into account. This way they can calculate your premium down to every dollar accurately. These advance quote systems is beneficial for you when you are a low risk policyholder. If you are considered high risk you still have options open to you to reduce risks.
When you are considered by a company they look at your particulars, the vehicles to be insured and all the drivers who have access to your automobile. Most companies would want to know everyone who has a driving license and living with you. This is because those people in your household have a ready access to your vehicle.
Carriers want to know their particulars and driving license numbers. They then can go ahead and check every driver’s driving history through DMV records. That is why you can run into problems if you don’t tell about them when you are getting quotations. In a way the information will be incomplete and misleading.
Normally a standard policy would include any other occasional drivers you may allow. The distinction is clear in terms of occasional drivers and people who have regular use of the insured auto. You need to be clear about who is a regular driver and who is occasional. For example, your girlfriend may need to be included in your policy as named driver even though she doesn’t live with you as long as she is the regular driver.
Some cheaper auto insurers may want to know everybody who is ever going to drive your car. If they are not listed they may not be covered. By knowing about the possible drivers they can control the risk and offer you low rates. This is something you need to check at the time of buying the coverage. When this is the case, it because extra important to list the drivers.
There are often court cases where insurers refuse to pay claims due to accidents caused by drivers who should have been on the policy. You may be able to save some money by not mentioning a high risk driver in your home. But this would cause you a serious problem when this person causes an accident. Your carrier can argue that such person has been omitted knowingly to keep the costs low and therefore the policyholder acted dishonestly. This is a good enough reason to refuse to pay the claims.
there is a legitimate way of excluding certain drivers. By talking to your insurer you can exclude someone who is making your premium to go sky high. This would be the case when a motorist has a bad driving and claims history. It would be even worse when someone in your household got done for driving drunk.
If you are going to go down the route of excluding someone from your policy you should make sure that person never gets behind the steering wheel. You cannot have it both ways. Either you pay the premium and insure them properly or ensure that they have no access to your car.