I recently received a letter from my auto insurance company. It said I had to disclose everyone over the age of 16 living in my house. Thankfully, it’s just my wife and I. When my kids become teenagers I will have to add them to my auto insurance policy. This is true even if they don’t have a drivers license or they have their own insurance.
In my personal injury practice I’ve seen insurance companies deny claims for failing to add teens to policies. The key is to list EVERYONE over 16 in your household. Not just ones who drive.
Insurance policies are based in contract. A material term to the contract is disclosing everyone living in your home over the age of 16. Even if they’re not family or they have their own insurance it’s a good idea to still disclose.
The more drivers over the age of 16 means your a hirer risk to the insurance company. They offset this risk by increasing premiums. Some people are willing to roll the dice with not disclosing their teens. I’m here to tell you that it’s not worth the risk. I’ve seen cases where clients have thousands of dollars in damages, but their claims are denied because they weren’t truthful in disclosing drivers over 16.
Always be 100% candid with the insurance company. If you have people living in your house that over over 16 – let them know. Disclose this fact. Trust me, if you have an accident you’ll be glad you did. Nothing is worse then telling someone they don’t have a case because they excluded their non-driving teenage from their policy. It’s usually the wives who get mad at the husbands for trying to save a buck. Don’t do it!
Also, be sure to update your policy information. If your son or daughter just turned 16 you’re first call should be to your auto insurance company. I know – I’m guilty of just auto renewing without giving too much consideration. Trust me, you cannot afford not to do this. Again, a few bucks in higher premiums could save you thousands in the end.
Micah J. Longo
The Longo Firm, P.A.
12555 Orange Drive, Ste. 233
Davie, FL 33330
Tel: (954) 862-3608