You may not be required by a NY state statute to inform your insurance company that your teenager son obtained his driver's license but it likely that the terms of your policy and rules of your insurance company require you to. Most insurance companies mandate that their policyholders advise them of all licensed members within their household. The New York Department of Insurance states that you should notify your insurer of any changes that occur while the policy is in force, including the addition of a licensed driver. An insurer, by law, must revise your premium if it discovers certain information (e.g. other persons operating your vehicle) that affect the rating exposures and/or characteristics. If the insurance company finds out by other means that your son is licensed, it could cause you problems for not telling them yourself.
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