Should I say I am the driver vs. my 16 year old son?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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

UPDATED: Aug 7, 2017

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.

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.

Insurance Question from Ballardsville, KY

Asked on 08/07/2017

Should I say I am the driver vs. my 16 year old son? 16 year old son hit a parked wrecker going 20mph. The wrecker was in the down position, which created a ramp that he drove off and possibly totalled a 2008 Ford Explorer? No other damage to wrecker or property.Should I say I am the driver (47 yrs old) or my son to prevent auto insurance rates going up less?Neither has any prior insurance claims or traffic violations

Answer given on August 13, 2017

If your son had an auto accident, the claim should be filed accordingly.  While the increased premium may be more since he was the driver.  If you file the claim as if you were the driver, and the insurance company found out that you were not, then that would be considered fraud. You could have your claim declined, lose your insurance, and could be charged with a crime and find it very difficult to find regular insurance again. Fraudulent claims are taken very seriously by the insurance company, as well as the law. Also, your son needs to be aware of his actions and the cost of insurance.  He should also learn that honesty is the better way to go to avoid any unforeseen consequences.



IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption