Reader’s Question:

Do I have to be on my father’s car insurance policy to drive his vehicle in Nebraska?

John

Lincoln, NE

State insurance laws and insurance providers guidelines differ but in generally if you live with your father in Nebraska you will need to be placed on his insurance policy as a licensed motorist in order to be properly covered. Most insurance providers require that all household members and/ or motorist be disclosed.

Typically, state laws do not require an individual to inform an insurance company of a child with a license. It is likely though that the insurance carrier has written into father’s policy that he needs to notify his agent of all licensed members within the household.

If you do not live with your father but visit or borrow his car often, then he should notify his insurance carrier as well. They may want you to be listed as a motorist or an occasional driver in order to be covered by his insurance coverages.