Do I have to tell the insurance company when I have a new driver in my household?

My daughter is turning 16 within the next 12 months and will be getting her license. Isn’t she already covered under my current policy as a guest driver?

Asked on June 15, 2009 under Insurance Law, Illinois


J.M.A., Member in Good Standing of the Connecticut Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

I am a lawyer in CT and practice in this area.  Insurance laws are generally governed by contract law.  This means that the contract that you have with your insurance carrier governs whether or not your daughter is insured.  You want to make sure that your daughter is on the policy.  Do not assume that she is a guest driver.  Make sure she is written in the policy as an authorized driver.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.