Who Needs to Be Listed on Your Auto Insurance Policy?

An auto insurance policy can help fulfill legal obligations while establishing financial protection after covered incidents.

Still, while this type of insurance may be common, it can include nuances and complexities that may lead to confusion or insufficient coverage.

When considering listing multiple insureds on your policy and ensuring you can prove you’re adequately insured, the team at Academy Insurance Agency is happy to offer guidance.

Who Should Be Listed on My Policy?

Auto insurance can often be heavily customized and tailored to suit the unique circumstances of you, your vehicle and your family. Your policy should typically include any driver who may regularly use your vehicle, such as the following parties:
•Spouses
•Partners
•Roommates
•Other family members in your household (e.g., grandparents, siblings and teenage or adult children)

Failing to add someone who will be operating your vehicle to your policy could lead to rejected claims and unexpected out-of-pocket costs, potentially incurring long-term financial consequences and legal issues.

Do I Need to Carry My Auto Insurance Policy With Me?

Most states require you to carry some form of auto insurance or proof of financial responsibility. You should also be prepared to present evidence that you’ve fulfilled such obligations, as law enforcement officials are likely to request it following an accident or traffic stop.

Traditionally, insurance companies have distributed physical documents listing your name, policy number, effective dates and covered vehicle.

More recently, many states have begun to accept electronic forms of auto insurance cards as proof of your coverage. So, depending on where you live and travel, you may be able to satisfy requirements with such a document on your smartphone.

We’re Here to Help

Contact Academy Insurance Agency today to learn more about auto coverage or compare personalized quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.