Mckeesport, PA asked in Car Accidents, Consumer Law and Traffic Tickets for Pennsylvania

Q: In Pennsylvania, do I have to list my kids of driving age who have drivers licenses on my insurance?

2 Lawyer Answers
William C. Head
William C. Head pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
  • Traffic Tickets Lawyer
  • Sandy Springs, GA

A: Your questions is so clearly worded about this situation that it is clear that you are trying to misrepresent facts, to save money.

Unless the children are separately insured and own and drive different vehicles, then YES.

The policy is a contract. One of the requirements of any contract is that the disclosures and "facts" you put in that policy are correct. One of the questions has to do with ALL people living at your residence, and their ages. The policy requires TRUTHFUL answers.

False answers can result in policy cancellation. Plus, kids who are not insured, driving your vehicle, can be arrested and taken to jail, and possibly lose their right to drive, and be saddled with a civil judgment for damages to another person's vehicle, or even worse --- personal injuries or death, in the millions. Plus, you may be also held liable, as the parent entrusting a vehicle to them.

Children are expensive. It is a fact. But, if they are going to drive, and they are going to drive, they must be part of the policy.

Peter N. Munsing
Peter N. Munsing
  • Personal Injury Lawyer
  • Wyomissing, PA
  • Licensed in Pennsylvania

A: If you expect them to drive vehicles on that policy, yes. You have to list them under the section "other drivers in household" regardless.

The issue is then will these folk also be driving your vehicles. If they get in a wreck and you don't mention them, the insurance company may decline coverage. Then they get "limited tort" status even if not at fault, and no medical coverage.

You complicate things enormously.

The only way around it is to say they are there but are to be excluded drivers. That means they cannot drive your car's uninsured.

With all due respect to Mr. Head, uninsured motorists aren't arrrested or taken to jail. They can end up with suspensions and other bad things, though.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.