I want to leave my kids off of my auto insurance to save money. if they wreck will the insurance company pay? technically if i lend my car to someone they are covered in my car under my insurance aren't they?
by 
drains
ANSWERS: 5
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No, it won't be covered. You generally have to sign paperwork with your insurance company saying who all lives in your house and that they will not drive your car and if they do, that nothing is covered.
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If you have licensed drivers in your home and they are driving your car, you have to pay the extra premiums. If you don't claim them on your insurance, the insurance can charge you with fraud, and you would not have coverage at all, plus you might be held criminally liable.
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The Insurance company will find out from the license bureau from the state that you live what licensed drivers share your address, whether you tell them or not. If you don't tell them and they find out they will send you an "Exclusion" notice stating that your vehicle (and child) will not be covered if they are driving.
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They are not obligated to pay when a policy holder withholds information in order to save on premiums (or for other nefarious reasons). They can deny the claim and/or decide not to renew your policy. You must report all licensed drivers in our household to your insurance carrier. Dishonesty never pays.
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Everything that has been said so far is absolutely true with the exception of being criminally liable. Now, if you make a claim and start telling lies to cover yourself, then you may be criminally liable. Either way, why would it not be better to simply do the right thing like most people do?
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