• SDL Insurance Solutions

Adding Children to Parents' Insurance Policy

Often times parents ask me if they need to add their teenager to their insurance policy and when they need to if that’s the case. My usual answer is your teenager should be added to your policy as soon as they get their driver’s license because they live in your house and have regular access to your vehicle. Insurance guidelines would state that children have to be either included or excluded on their parent’s policy.

Some have mentioned having friends that don’t add their children to their policy because insurance follows the car. It is true that insurance follows the car, however not adding a regular driver of a car to the insurance policy can be perceived to be deceptive by the insurance company. At some point, the insurance company is not getting the premium for the exposure of that driver which could result in a debate at the time of claim. If there is a serious accident that involves the uninsured driver, the insurance company could say they were lied to because you didn’t inform them of the person driving the car. As a result they couldn’t rate for that or have any way to control their exposure.

If you don’t have your children on your policy, then they have no insurance policy. If they are away at school driving someone else’s car and get into an accident and find out that the person’s car their driving is uninsured, that means there is absolutely no coverage. When a lawsuit happens, they will be exposed and that’s not something you’d want them exposed to because it could affect their future earnings in such as wage garnishments for the rest of their life.

My advice is to spend a few hundred dollars to add your children to your insurance policy as soon as they get their driver’s license. This will protect you and them.

Keep in mind, as long as your child has a permit, you don’t have to put them on your insurance and as long as you are in the car with them when they are driving, they are still covered for any accident they may cause.

If you need any help with your insurance policy and you are located in Illinois or Wisconsin, feel free to reach out SDL Insurance.

Scott Lyngaas

2 views0 comments

As a current or prospective customer of SDL Insurance Solutions, we take this opportunity to both thank you and share with you the importance with which we hold the privacy and confidentiality of your insurance and personal information.

Working with you, SDL Insurance Solutions gathers the necessary information from you and other public and insurance sources to execute the insurance market search and find placement for the insurance coverage(s) your needs/risk exposures require. In doing so, SDL Insurance Solutions exchanges such information only with other insurance related parties that are similarly obligated under state and federal privacy laws and have in place the appropriate procedures to keep all treatments and exchanges of your information within the requirements of the law.

As we place your insurance with these carriers, both our agency and the carriers work together (as well as individually) to retain uses for only those activities required to underwrite, issue and service your policy of insurance. 

We will not, under any circumstances, exchange your information with any other unaffiliated third party.

  • Facebook - Black Circle
  • Instagram - Black Circle
  • LinkedIn - Black Circle

© 2018 by SDL Insurance Solutions.