Contact Us: (425) 868-1123
Insurance Services of Washington Inc.
  • Home
  • Quotes
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Classic Car Insurance Quote
      • RV Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Insurance Bond Quote
    • Other Quotes >
      • Life Insurance Quote
      • Health Insurance Quote
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Classic Car Insurance
      • RV Insurance
    • Property >
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Insurance Bonds
    • Other >
      • Life Insurance
      • Health Insurance
      • Boat Insurance
      • Event Insurance
      • Umbrella Insurance
  • About
    • Staff Directory
    • Our Providers
    • Client Testimonials
    • Refer a Friend
    • Blog
    • News
    • Newsletter Signup
  • Contact
  • Home
  • Quotes
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Classic Car Insurance Quote
      • RV Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Insurance Bond Quote
    • Other Quotes >
      • Life Insurance Quote
      • Health Insurance Quote
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Classic Car Insurance
      • RV Insurance
    • Property >
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Insurance Bonds
    • Other >
      • Life Insurance
      • Health Insurance
      • Boat Insurance
      • Event Insurance
      • Umbrella Insurance
  • About
    • Staff Directory
    • Our Providers
    • Client Testimonials
    • Refer a Friend
    • Blog
    • News
    • Newsletter Signup
  • Contact

Insurance Services of Washington Blog

5 Types Of Drivers That You Need To Include On Your Auto Insurance

10/24/2017

0 Comments

 
Picture
If your house consists of many family members and you have several vehicles, it is important to list those who should appropriately be included in your car insurance policy. Remember the basic principle: the insurance is for the vehicle and not the driver so if someone else is driving your car your insurance is primary.
If there are other people who use your car, determine if you need to put them on your policy to avoid compromising your legal liability. You also do not want to find yourself facing a denied claim. Here are 6 kinds of drivers that you need to list on your policy.

Parents

If one or both of your parents drives your car, list them on your policy. But, you do not need to include your parents on your policy if they have they own car. They would have their own auto insurance. If they live with you, your insurance carrier may ask you to show them proof of your parents’ own insurance policy.

Adult Child

If your adult child has lived with you again, inform your insurer that there is another licensed driver at home. In most states, you have no legal obligation to your adult child who has an accident with their own vehicle. But, if that child drives your car occasionally, it is better to include them on your insurance policy.

Teenage Driver

Teenagers, aged 16 to 19, have a high percentage rate of car accidents compared to other age brackets. It is one of the reasons why the car insurance for teenage drivers is an expensive one. While collision is an optional coverage, it is highly recommended to cover the damage that the teen driver might cause. But, if the diver is still minor, you will be accountable for their accidents.

Regardless if you are still married or already divorced, you may want to list your teen on your policy. The insurance company thinks the teenager will drive your vehicle from time to time, even if they live somewhere else.

Borrowers of Your Car

There is no need to include borrowers of your car on occasion on your policy, especially if they do not live with you. These may be friends, neighbors, or relatives. In case they get into an auto accident, the insurance will cover you. However, the rates of the insurance could increase in the future.

For these borrowers, they can use a non-owner auto insurance, wherein they pay the premiums themselves.

Caregiver

A caregiver who drives your car on a regular basis should be included on your policy. You may list them as a primary driver, especially if you do not have your own license anymore. But, you are still the car owner as well as the policyholder.

Car insurance does not only cover you as the owner. It also provides protection to other drivers in your household. At Insurance Services of Washington, we aim to provide comprehensive insurance policies that makes your life easier. You can get more information about our products and services by calling our agency at (425) 868-1123. Get your free quote today.
0 Comments



Leave a Reply.

    Contact Us

    (425) 868-1123
    8195 166th Ave NE
    Suite 201
    Redmond, WA 98052
    Click Here to Email Us

    Archives

    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    October 2017
    July 2017

    Categories

    All
    Auto Insurance
    Business Insurance
    FAQs
    Financial
    Health Insurance
    Home Insurance
    Insurance
    Life Insurance
    Local
    Safety

    RSS Feed

Licensed in Washington, Arizona, California, Hawaii, and Oregon

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login

Connect With Us

Share This Page

Contact Us

Insurance Services of Washington Inc.
8195 166th Ave NE
Suite 201
Redmond, WA 98052
Click Here to Email Us

Location

Website by InsuranceSplash
✕