Will my parent’s insurance premium go up if I’m an excluded driver with points on my license?
I’m facing a situation where, if my case isn’t dismissed, I’ll receive a point on my license, and there’s no option for traffic school. Although I hold my own insurance policy and am listed as an excluded driver on my parents’ policy, we all live in the same household. Will their insurance costs be affected by my license points?
Yes, your parent’s insurance could still be impacted by your points, even if you’re an excluded driver. Insurance companies often consider the driving records of all household members when determining rates, and having points on your license can lead to increased premiums. Being an excluded driver generally means that your parents’ policy isn’t directly affected by your driving record, but insurers might still adjust their rates if they see high-risk behavior within the household. It’s a good idea for your parents to check with their insurance provider for specifics about how your situation might influence their policy.