How do the mishaps of a driver on your insurance affect you?

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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...

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UPDATED: Jun 22, 2012

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Insurance Question from Bronx, NY

Asked on 06/22/2012

How do the mishaps of a driver on your insurance affect you? Hi, I want to put my child on my insurance policy. But I am worried that my clean driving record will get messed up if he, say, gets a speeding ticket. Does his mishaps stay on my record even after I kick him off? How am I affected by his mishaps, if god forbid, he has any? This question seems like it would have been asked already, but I haven't been able to find it on the site. Forgive me if it has been asked before! Thanks!

Answer given on June 23, 2012

If you have a child of driving age and they live in your household, you should add them to your insurance policy. The insurance company expects that all drivers in the household be declared and the premium for that driver applied.If your child gets a ticket, or is in an accident, the rates on your policy will increase. If there are multiple cars, the charge will be added to the car that the child is assigned to by the insurance company. If the driving record of your child gets bad, or they move out of the house, you can remove them. If they are still in the household, you will probably need to exclude them from your policy, or their record will affect your insurance rates. If they move out of the house, then you can simply tell the company they are no longer in the household, and to remove them from your policy.

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