Change primary driver insurance

 · Taylor Covington. . It is considered illegal to lie about who the listed primary driver is and who actually drives the car most frequently. Depending on the situation, it can either be classified as a misdemeanor or a felony. If you are convicted of insurance fraud, it will be extremely difficult to get insurance going forward.  · Insurance companies like to assign each car to one primary driver. That person, the primary driver, is the one whose driving record and risk profile are used to calculate its rates. Insurance companies also note secondary drivers who use the insured vehicle. There can be multiple secondary drivers, but only one primary driver per www.doorway.ru: Des Toups.  · In this situation, your insurer still needs to designate one person as the primary driver of each vehicle. Any other drivers in the household will need to be registered as secondary drivers. Typically, your insurer will recommend having each driver in the household register as the primary driver of one vehicle.

Although your insurance rates might increase if you change primary drivers, you are obligated to inform your insurer when a new primary driver takes over a vehicle. If you don’t tell your insurance company that the car owner is not the primary driver, you could be found in breach of contract and end up responsible for any liability or damages that result from an accident. Individual insurance company guidelines vary, but it’s pretty standard for auto insurers to require each listed driver on a policy to be matched up as the primary driver of a vehicle if the number of cars and drivers is equal. If instead there were more cars than drivers, then you could be listed as the primary driver of more than one vehicle. In this situation, your insurer still needs to designate one person as the primary driver of each vehicle. Any other drivers in the household will need to be registered as secondary drivers. Typically, your insurer will recommend having each driver in the household register as the primary driver of one vehicle.

And what happens if they get in an accident while driving? And what if a family member borrows the car on a regular basis? Does that change things? All these. The licensed individual will become the primary driver and you will switch from primary to occasional. (2) There are multiple people licensed in my household. If you do not maintain the coverage, the DMV can suspend your vehicle registration and your driver license. What kind of insurance do I need?