Insurance company guidelines differ but in general insurance carriers will require you to list all licensed drivers in your household on your insurance policy. Since you daughter has received her license your auto insurance provider should be notified and they will tell you if you are required to add her or not, most likely you will need to add her in order for her to have coverage.

An insurer is permitted to consider all resident operators of an insured vehicle in rating of an auto insurance policy. This includes your child, even if he or she has only a learner's permit.

Insurance companies in are usually permitted by state insurance laws to use classifications that reflect a possible exposure for liability on the part of the insurer, in the event that bodily injury or property damage occurs due to that child's operation of the vehicle.

So while your friend may be able to borrow your vehicle without being added to your insurance, household members with licenses usually do need to be added so that the person will be properly insured.

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

The Pennsylvania Insurance Department states that the first named insured on a policy can exclude a teenager from the auto insurance policy provided that the person being excluded can prove he or she has auto insurance with another company or the Assigned Risk Plan. Keep in mind if a person is excluded from your insurance policy there will be no coverage at all extended to them if they drive the car and are in an accident.

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