Is my 16 year old teenage son required to be added to my insurance policy simply because he has his license, or can he just borrow my insured car until she gets his own car? What are the ramifications (if any) if I didn’t add him and there was an accident? We live in PA.

Carrie

Allentown, PA

Pennsylvania insurance providers guidelines vary but in general insurance companies will require you to list all licensed motorists in your household on your insurance policy. Since you son has received his license your car insurance company should be notified and they will tell you if you are required to add him or not, most likely you will need to add him in order for his to have coverage.

If you do not inform your Pennsylvania insurance provider about your son being licensed and he is not added to the policy then he may not be covered if in case of an accident. Or we have heard of situations in which the teenager would be covered for the accident but only after you have paid the premiums that should have been paid for your teenage son to be on the policy and properly covered.