Automotive Car Insurance
Reader’s Question:
If I have four vehicles and four licensed motorists does each person need to be listed as a primary driver on one of the vehicles?
Patty
Waterloo, IA
Normally, it will depend upon state insurance laws and the insurance provider’s own underwriting rules and guidelines to determine if each motorist must be a primary on a car or not.
Generally, it is up to the individual insurance company to decide about principal or primary motorists and occasional motorists and how they must be listed on the insurance policy. Not all insurance carriers use the rating terms primary or principal motorist.
With insurance providers that do use these terms then typically they will consider someone as the primary driver on the policy if he or she is the registered owner of the car, drives the car to school or work, or drives the car more than anyone else.
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