Texas TX Auto Insurance Policy
Reader’s Question:
Am I mandated by law in the state of Texas to list every motorist in your household on your car insurance policy?
Sara
Beaumont, TX
I dont find any information in Texas law that mandates you list every motorist in your household on your car policy but some liability laws may impose it. Insurance providers have this as a requirement in the terms of your insurance policy.
Insurance carriers rate on different factors including the risks that the motorists in a household pose and they cannot rate correctly if they are not aware of all licensed motorists within a household that may operate the vehicles listed on the insurance policy.
If you failed to inform the insurance carrier of all licensed household members then you are committing a type of fraud in the form of misrepresentation. If there are licensed household members that you want to not have listed on your insurance policy you can see if your insurance provider will allow you to exclude them. Keep in mind an excluded motorist would have no insurance coverages extended to them if they did drive your car and cause an accident.
