Can an auto insurercancel a policyor increase policy rates, if their insured has a driver residing with them who has had their license suspended/revoked?

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Can an auto insurercancel a policyor increase policy rates, if their insured has a driver residing with them who has had their license suspended/revoked?

My husband and I have moved into my dad’s house. We don’t have a car, so my my dad lest me drive his. But he doesn’t let my husband have the car because he has no license. One day a family friend told my dad and that under WA law because my husband is currently prohibited from acquiring a license (he has some fines, etc.) and he lives in my father’s house, that if my father’s insurer knew this, then they would drop him or raise his rates. Additionally, since I’m married to an unlicensed driver and also live in my father’s house, that I can’t even be allowed on his insurance policy. Is this true?

Asked on January 16, 2011 under Insurance Law, Washington

Answers:

MD, Member, California Bar / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

If your household member is currently covered by your insurance company (whether you are the spouse or not), and that household member had a revoked or suspended license you didn't tell the insurance company about prior to giving him coverage or had it revoked or suspended while covered, your insurance will indeed be cancelled and you can be dropped because you failed to update the material information to your insurance company. Your friend is not accurate. If you plan on living with your father, or your father lets your drive his vehicle, he better get coverage for you on his plan and inform them to specifically exclude your spouse who cannot drive legally right now.


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