I live in Houston Texas. A car insurance agent called us up and ask if there is any young licensed drivers in the household. I gave my sister’s name and the car insurance agent said that she will be excluded. What happens if my sister borrows my car, will she still be covered?
Insurance providers requires you to list all licensed household members so they may be able to determine their risk for having these licensed household drivers covered by your auto insurance. When you buy car insurance policy there can be risk to insurance carrier covering all household members that is why many insurance provider requires you to add or exclude a licensed household member. The main reason for all this is because as a household member, you may have access to the vehicle and may drive it anytime.
If your sister resides with you in Houston, Texas then your insurance carrier would want to know. You may have in your car insurance policy contract that you must notify them of licensed drivers residing in your household, so that they can add that person as an additional driver to your car insurance policy and be rated accordingly. If you exclude your sister to your car insurance policy she will not be covered by your car insurance policy if she drives your car and gets into an accident.