Excluding Drivers From Your Auto Insurance
In Nevada, auto insurance policyholders are allowed to exclude specific members of their household from their insurance policy. While this may seem like a smart way to save money on your monthly premium (after all, adding your teenage son on your policy, for example, may greatly affect your premium), it’s rarely a good idea.
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Who Are the Members of My Household?
Generally speaking, anyone who lives with you that has a drivers license – whether they’re a member of your family or not – is considered by your insurer to be a member of your household. College students away from home without a vehicle aren’t required to be on a policy, and could be a “permissive” driver, meaning, if visiting home for the weekend, holidays, or school breaks, you would “permit” them to borrow your car to run an errand. Your insurer may want to know about anyone outside of your household who drives your car on a regular basis. Meaning, if you lend out your car or let someone borrow it on a regular basis.
While you may think that there’s virtually no chance that you’ll hand your car keys over to a household member that’s not listed on your policy, the fact is that emergencies happen. They may need to use your vehicle at some point and ensuring that they have the full benefits of your policy is essential for your own financial security. It’s important to make sure that all drivers in your household are covered by your insurance policy. Call us so that we may help you review your policy and identify any gaps in coverage.
Nevada Insurance Enrollment Is Here For You
Navigating through the many options of insurance can be confusing and expensive. Speaking with a locally licensed insurance agent will help you to obtain the right coverage you need. You’ll have the peace of mind knowing that you are adequately insured when life complications arise. We work hard to find the most competitive quotes for your needs. Contact us today to begin the process of finding the best insurance plan for your family.
Read More: Auto Insurance in Las Vegas, Nevada
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DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation. You should consult your policy for exclusions or other language that may alter your policy.