Second Named Insured Vs Listed As Driver

[iiinycboi]

Do they have difference in coverages? Are listed driver extended the same coverage a named insured has?

Pros & Cons of each.

Also if a auto title has 2 names do both names have to be listed as named insured? can it just be listed as primarily and the second as listed driver?

 

[CaptiveGuy]

Some companies require that the named insureds be married or domestic partners, otherwise you can only list one person. The named insured can make changes to policy, receives policy notifications, and is the offical party involved in the contract.

A listed driver is normally a rated driver that lives in the household such as a family member.

 

[joshb]

It can depend on carrier, state, etc. I recommend reading the policies, and the definition of a named insured as it is written in the policy. If you ask Progressive, they don't care who's a named insured, wh owns the vehicle, etc., but if you ask Nationwide the same question, they want everyone on the title, in the household, and with regular access rated for, etc.

 

[Guest]

The named insured is the vehicle owner or lessee if it is a leased vehicle. In a married household it is not necessary to show the names of both spouses because the personal auto policy definition of the named insured includes the spouse. If a vehicle is owned or leased by domestic partners or unrelated individuals the name of each domestic partner or individual should be shown as the named insured on the personal auto policy.

The policy provides coverage to whoever is driving the covered auto providing the driver meets the description of an insured in the insuring agreement of the personal auto policy. If a driver fails to meet this description the driver is not insured.

 

[Guest]

YEAH! Good answers!

We need more cowbell around here!

 

[djs]

Be careful, big differences between named insured and listed driver.

Carriers will have differences on what can be done, but technically a named insured does NOT have to be a rated driver on a policy. Most preferred carriers will require they are, but non-standard carriers will usually allow this.

A listed driver basically can drive the car and be insured. Here, you get into the intricisies of the policy. Is it a named driver policy? If so, then only the listed drivers are insured. Most policies will allow for permissive use drivers, but not all do, and all have restrictions on what a permissive use driver is.

Named insureds can make changes to the policy. Drivers (unless they are also a named insured) cannot.

Dan