This can be confusing, but generally:
- all licensed drivers who live in the household must be included.
- all non-resident licensed drivers who have access to the vehicles should be included.
- if you have any unlicensed drivers with access to your vehicles, they must be disclosed.
This can quickly become complicated, though, depending on whose name the vehicle is in vs. who's driving it vs. who has insurance on it.
Occasionally, there will be times when someone needs to borrow your vehicle. In this case, if the borrower has an accident, the vehicle owner's insurance is typically responsible for that accident.
To be sure you list the correct persons on your auto policy, it's best to speak directly with your local insurance agent, who knows the correct questions to ask in setting up your policy.
Have questions about your situation? Connect with me at 706-726-1446.