Can I be billed retroactively by the insurance company because I didn’t declare my 21 year old son on my insurance policy when he got his license?

Free Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

UPDATED: Feb 2, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Written By: Jeffrey JohnsonUPDATED: Feb 2, 2012Fact Checked

If your son has not been involved in an accident in your car, you can simply tell your insurance agent that your son is licensed and add him to your policy effective now. Most insurance companies will not add a driver retroactively unless there has been an incident involving that driver.Even though you had not declared him on the policy, he was covered as a permissive user. Obviously the insurance companies would prefer to add young drivers when they are first licensed, since they can collect the premium for that driver. However, many car owners have done the same as you have done. When you call your agent to add your son, make sure you do indicate when he was licensed. By doing this he will get credit for the time since he was licensed. If the agent asks why you didn’t declare him, simply advise him you didn’t think about it since he rarely drove. If the agent wants to try to backdate the change, tell him you don’t want to do so, just to add him now. The agent should go along with your instructions.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

secured lock Secured with SHA-256 Encryption