Reviewed by Michael P. Maddux, Esq. | Board Certified Criminal Trial Lawyer | Florida Super Lawyer for 16 Consecutive Years

When it comes to auto insurance, full disclosure is essential. If anyone in your household is 15 or older and holds a valid driver’s license, they must be listed on your auto insurance policy, even if they never drive your vehicle. Many policyholders mistakenly leave off roommates, adult children, or relatives in an effort to keep premiums low, but this decision can have serious consequences.

Insurance companies frequently use undisclosed household drivers as grounds to deny coverage, reduce benefits, or cancel a policy altogether, especially after an accident or claim has already occurred. Discovering the issue when you need coverage most can leave you financially exposed.

If someone in your household will not be driving your vehicle, you can request that they be listed as an excluded driver on your policy. Being upfront with your insurer is always the safer option and helps ensure your coverage is there when you need it.

Call Michael P. Maddux, P.A. at (813) 253-3363 or contact us online to get started.