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Cravens Warren

Serving the risk management and commercial insurance needs of business. Cravens Warren, founded in 1946, has been serving the insurance needs of... read more

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  • 10011 West Gulf Bank
    Houston, TX 77040
  • Phone (713) 690-6000
    Fax (713) 690-6020
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Client Questions- When Teenagers Start to Drive

Apr 1, 2012

My teenager just received a license to drive. Do I need to add him/her to my policy now? Will it increase my premium?

These are great questions that our customers ask frequently. 

The short answers are “yes” and “yes.”

Most personal auto policies written in Texas extend liability coverage to anyone using a covered auto with your permission, including children when they begin to drive. However, some policies exclude family members who have not been reported to the insurance company and are not listed as drivers on the policy.

Failing to report your newly-licensed teenager is a dangerous game to play with your family assets. In fact, some companies may consider this to be “insurance fraud” and refuse to pay a claim involving a young driver who has not been reported - especially if the youngster had a license when the policy was first purchased.