Our Twins Started Driving. We Bought A Car For Them To Share, But The Insurance Company Says We Can’t List Both Of Them On the One Car. Why?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 15, 2021

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Most insurance companies work the same way. They file their rates with the state explaining how they will charge for their policies. The filings include how they will charge for young drivers. You, as the policyholder, can determine who is assigned to a specific car. However, if there is more than 1 young driver in the household, each must be assigned to a car. If there are more drivers than cars, you can say that one of the young drivers is an occasional operator of a car. However, you cannot say that the multiple young drivers are assigned to one car. In your case, you can assign one of the twins to the car you purchased for them. If you have 2 other cars, that you and your spouse each drive, you must assign the other young driver to one of those cars as an occasional operator. This is generally less expensive than assigning both as a principal driver, but, depending upon the car in question, it can be more expensive than the other car, since one car may have physical damage coverage and another does not.

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