How does the insurance company's know if theres a new driver in the household?

PMack

Your father is obligated to tell them.

If he does not add you to the policy, and you get into a crash - they will probably deny the claim, and then he'll greatly regret his poor decision.

You should not drive until he adds you to his policy.

Firebird

The best way for them to find out is to refuse to pay any claim that results from them being defrauded by you. That way, if you are kept secret, and you wreck, they just simply won't pay.

That works for them. It works well.

P.S. Many people your age, due to their lack of experience and dubious brain functionality, think that the "system" is just waiting for you to take advantage of it. You'll find, in time, that people who are in business to make money are much, much smarter than you think.

Your dad, of course doesn't have the excuse of age. He's just stupid.

Queen B

every renewal they pull the reports from the DMV. these reports show ALL licensed drivers at that address. if you father does not add you and you have an accident, the company can deny the claim. he is OBLIGATED to tell Progressive you are driving... he should have added you once you were licensed.

The Insurance company will know when the policy holder informs them. Please do so immediately. Don't wait until renewal, do it as soon as the change takes effect.
If you have an loss: an accident or a theft from the vehicle, or damage to the vehicle or a moving violation, and the insurance company has not been informed of your status - you will not be covered, and possibly the whole policy could be voided or canceled.

robertdr60

Unless you never drive the cars on the policy, your father should add you to the policy right away. They will charge the difference on a pro rata basis. So your father would only have to come up with 1/12th of the additional premium for you, for the one month remaining on the current policy.

Some insurance companies do have access to DMV records, so they would know that there is a new licensed driver in your household. If you drive and get in an accident, the insurance company could refuse to pay, because the new driver was not declared.

jefforama

They could possibly check DMV records, but I don't know.

If you have an accident, they'll find out. They wont pay your claim either.
Nobody likes paying insurance but not insuring a child is a quick way to become financially ruined. You are a "high risk" and it's foolish not to insure you.

nj2pa2nc

i think the only way is for you to tell them. who is paying for this additional insurance. I hope you will-at least part of it- when you start driving the vehicle is when you should be added.

bigmikeumpire

First of all if you have a drivers license, as I suppose you do, any insurance company will know.....they put your address into their computers and it will bring up all the licensed drivers at that address....also it will tell them about all your tickets and accidents......the world of computers...I tried to hide my daughter who was 16 and they caught it on their computers....

loving30

1) the insurance company is not going to find out that you are driving unless someone tells them. sorry, us insurance company employees are not psychic.

2) if you have an accident while you are driving and you aren't on the policy, then, depending on exactly what his policy says, there's a good chance the insurance company can refuse to pay the claim as your dad has not been honest about the drivers.

if you are driving regularly, there is an increased risk of accident. your father is obviously aware of this but is refusing to add you and then pay the correct premium for the increased risk. that is dishonest and is frowned upon by all insurance companies.

he has a duty to disclose all regular drivers, or his insurance can be cancelled and claims not be paid.

the sooner you get on the policy the better. you benefit out of being on the policy too, as if you can show you have a history of being on an insurance policy with no claims, then you can get good insurance rates in the future when you get your own car.

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