Most insurance companies require that you disclose all household members on your policy. You may have the option of excluding them. In other words, choosing to sign a waiver stating that they will not drive your covered vehicle(s) in exchange for not having to pay a higher rate. Some insurance companies do not automatically cover young drivers who obtain a learning permit. It is possible that your insurance company was unaware of your son's driving status or you may have signed an exclusion. In addition, damages to your vehicle would not be covered unless you also have collision coverage. This would not be considered a comprehensive claim. You always have the option of seeking legal counsel if you are not satisfied with their decision to not pay your claim.

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