Question about listing roommates who don’t drive my car:
While I was updating my insurance policy, the representative asked me if there were any household members 14 or older with a permit. When I asked him to repeat the question because I didn’t hear it clearly, he took that as a yes. I quickly clarified that I have two roommates, both with their own cars and insurance, and they don’t drive my vehicle.
He mentioned that I need to list them on my policy, but I don’t quite understand why. I get that it’s standard practice, but it feels a bit strange to me. Plus, I haven’t received any paperwork in the mail to fill out regarding this matter, as he said I would, and I’m worried about potential issues for not complying.
If I call to add them over the phone, will it increase my rates? They each have their own insurance and vehicles and won’t be driving mine. I’ve read about ‘excluded drivers’ online, but I’m still confused about what steps to take and whether it will affect my rates, which have already gone up inexplicably this year.
I apologize if this seems like a silly question. I just want to make sure I handle this properly, and my anxiety is making it hard to navigate. Any advice would be appreciated!
It’s completely understandable to have questions about insurance and how it works, especially when it comes to roommates and driving. Here are a few points to consider that may help clarify things for you:
Listing Roommates: Insurance companies often ask for information about anyone in your household who may have access to your car, even if they don’t drive it regularly. This is to assess risk and liability. If your roommates are over 14 and live in your household, the insurer generally wants to know about them for that reason.
Why It Matters: Even if they have their own cars and insurance, the insurance company is likely looking to understand who could potentially drive your vehicle. If they’re not added to your policy and they do drive your car, that could lead to complications if a claim has to be made.
Excluded Drivers: You mentioned reading about excluded drivers—this is a common option available with many insurance policies. If you exclude someone from your policy, they won’t be covered when driving your car. However, excluding them sometimes requires that you notify your insurer explicitly.
Impact on Rates: Generally, adding someone who’s a driver on your policy could raise your rates, especially if they have a driving record that the insurance company deems risky. However, if they’re excluded drivers, it may not increase your rate at all.
Follow-Up: If you’re unsure about receiving anything in the mail, it’s best to call your insurance provider to clarify. Ask specific questions about the process for adding or excluding your roommates and how it could affect your rates. They should be able to address your concerns and guide you through what needs to be done.
Your Anxiety is Valid: Don’t feel bad for asking questions! Insurance can be complicated, and it’s completely normal to want clarity, especially when it affects your finances and peace of mind.
In summary, don’t hesitate to reach out to your insurance provider for clarification—they’re there to help you understand your policy!