Do I Need to Add All Drivers on My Auto Insurance Policy in Laredo, TX?

Do I need to disclose all the drivers in my auto insurance policy in Laredo, Texas?  My sarcastic answer to that question is, “Do you want to commit insurance fraud?”  Of course, you must disclose all drivers on an auto insurance policy!  Most car insurance policies will have coverage for permissive drivers, which are drivers that have your permission to use your car but DO NOT have regular access to your car such as a household member.  A friend visiting you one evening for a barbeque uses your car to go the grocery store for supplies would be considered a permissive driver and thus would have coverage on MOST, not all, car insurance policies.  On the other hand, a household resident or someone who has regular access to your car must be listed on an auto insurance policy.  Should an accident happen, an insurance claim, especially a large one, could be denied.  Don’t be fooled by the insurance agent that tells you otherwise.  Should you encounter such unscrupulous agent fire him and hire an honest one.  Remember, it is YOUR SIGNATURE that goes on the dotted line!


Fred Gonzalez, is owner/operator of AlphaSure Affordable Insurance in Laredo, TX.  (956)729-9500  AlphaSure Affordable Insurance is an insurance agency licensed to sell and service insurance policies in Texas.