If you have a licesed driver living in your home, and they are not on your policy, are they covered?

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   That can depend upon your insurance company. Some companies extend coverage to anyone you designate to drive your car regardless of their being listed as a driver. However, that having been said, willfully choosing not to tell your insurance company that you now have a licensed youthful driver residing in your home would constitute a fraud. Such action prevents your company from charging adequate premium for the risk they are assuming and might give them grounds to deny a claim that was caused by that child. It is a large risk that should be avoided by just telling your Insurance Professional.,

   Answered on November 4, 2014

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