Florida Drivers: Why You Must List All Household Residents Age 15+ on Your Auto Policy

If you have a Florida Personal Auto Insurance Policy, it’s essential to know that state law requires you to list all household residents aged 15 or older on your policy—even if they don’t drive. Insurance companies assume that anyone living in your home may potentially drive your vehicle, and failing to disclose this information can lead to denied claims or policy cancellations.

Good News for Families with Teen Drivers

Adding a teen driver to your policy can be costly, but Progressive Insurance offers a benefit for families: they waive the cost of adding permitted drivers to your policy. This is because teens with learner’s permits are less likely to be in accidents, especially when driving under parental supervision.

Teen Driving Risks: A National Perspective

While Florida isn’t among the most dangerous states for teen drivers, it’s important to be aware of the risks. According to a study by iSharing, states like Kentucky, Texas, Arkansas, Delaware, and Mississippi have the worst records for teenage drivers, considering factors like fatality rates, alcohol risks, and road quality. PropertyCasualty360

Moreover, the period between Memorial Day and Labor Day is known as the “100 Deadliest Days of Summer” for teen drivers. During this time, teens are three times more likely to be involved in a fatal crash. PropertyCasualty360

Stay Compliant and Protected

Ensuring your auto policy includes all household members aged 15 or older is not just a legal requirement—it’s a crucial step in protecting your family and assets.

Call Zack Epstein at North Broward Insurance Today!

If you’re in Fort Lauderdale, Lauderdale-by-the-Sea, Pompano Beach, Wilton Manors, or Margate, Zack at North Broward Insurance is ready to help you navigate your auto insurance needs.

📞 Call Zack today for a fast, free auto insurance quote @ 954-368-0060, x 7! Let’s ensure your policy is comprehensive and compliant.