Will my parent’s insurance rates go up if I’m an excluded driver with points on my license?
I’m facing a potential point on my license (no chance for traffic school), and while I have my own insurance policy, I’m listed as an excluded driver on my parents’ policy since we live together. If I don’t get my case dismissed, will this affect their insurance premiums?
Generally, if you are an excluded driver on your parents’ insurance policy, your actions, such as receiving points on your license, should not directly affect their insurance rates. Excluded drivers are not covered under the policy, so any accidents or violations attributed to you typically do not impact the premium. However, since you live in the same household, insurance companies may still consider your driving record when assessing risk. While it’s possible that insurers may look at the overall risk factors of the household, having points on your license alone may not necessarily lead to a premium increase for your parents.
It’s a good idea for your parents to contact their insurance company to discuss how your license points could potentially affect their policy. Each insurer has different policies and practices, so getting specific information from them would provide the best clarity.