This is done to let them know how many people on average might be driving. Also to know if someone suspended is living there. My policy listed myself as a 70% driver and other members living with me to each be driving 10% even though they held their own policy. This helps protect everyone in the case that there is an accident with a household member driving instead of the policy holder.
Insurance is all about risk...or possible risk. We don't pay for insurance definitively knowing that we are going to use it; we paying for the possibility of future need. Insurance companies need to know the household residents/relatives, because even though your household resident/relatives may not have a license, drive a vehicle on your policy, or even if they have insurance for their own vehicle, it's the mere fact of the possible access to or "risK" of providing insurance for a particular vehicle on an auto policy.
There is a company who supplies information to insurance companies called CLUE. This company gives insurance companies information on losses paid by all insurance companies and what type and amount of the claim was paid. CLUE also supplies companies with a variety of information. It gives information like people who had auto insurance at the same address as you have and people who were listed on insurance policies of you in the past like other household members or drivers.
Insurance companies require all household drivers to be listed, even if you have a teen who has their own policy it is important to let your agent know when any drivers or vehicles change in the household. Anyone who needs assistance with insurance in PA is welcome to contact me, I work for an independent agency in York PA www.ekmcconkey.com
No, Not necessarily, There are many insurance companies that will issue auto insurance coverage to you without a drivers license. It just depends on the underwriting requirements of the insurance company. Most of the larger national companies will require a drivers license first but many local and regional insurers will have no problem with it.
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